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Zoning a forced air system per room is pricey. Zoning with individual units is really pricey. Get an HVAC expert in there to listen to your concerns. Don't tell him you want every room zoned, just tell him what problem you are trying to solve. If you've got anything less than 2,500 sq feet, you're probably better off with a system balance or two zones from one system at most. You can get a combo heatpump/gas furnace unit and the gas only runs on days below around 23 degrees. That means except for the coldest days of the year, only the heat pump would run. Since you're in a cheap electricity state, that would probably benefit you a lot. Smart panels are expensive toys. I don't really see a purpose for them in a residential building. If you're really curious about which 110v appliances are costing you money, buy yourself a couple Kill-O-Watts off Amazon and save yourself $1,000. Hint: It's going to be your fridge, dishwasher, and washing machine. The smart panel isn't going to give you useful data beyond what you already know. What will your biggest energy consumers be? Fridge, laundry, EV charger, HVAC. Is there going to be anything you can do with the Smart Panel data to change that? Not really. Tada! I just saved you a bunch of money.