Thermostat recommendations?

I'm slowly building up my house to proper geek level (and no wife to worry about!) Next on the list is a thermostat to replace the one that's currently there with something that's not as old as I am. I have a 1400 sq ft house, and live in the san francisco bay area where it doesn't freeze. Heck, I don't even have AC (though this may change, it does get a bit warm in the summer.)

With all that said, I do intend to take all of these toys with me to my next house which will likely be bigger, and who knows where it's going to be.

The equipment I currently have in my house as far as MH goes is insteon, and was looking at their 2441V which is an RF insteon unit that plugs into a Totaline or Venstar thermostat to extend control. I'm not 100% set on staying insteon given the lack of choices, but it would be nice so I don't have to tie another module into my PC. So for those of you who already have this set up (have found a few posts on it, including the previous conversation of extending the insteon object) but I'm not totally clear on a few things.

What I'm mainly after is the ability to control the on/off functions of the heat or AC. The decision making will likely be complex: What time of the day is it, is anyone home, is there movement in this room, what is the temperature in that room, what time of the year is it, what's the temp outside, is the attic fan on, etc. Obviously, programming this into a single hardware device isn't easy, but building the logic into misterhouse won't be too much of an issue.

I also envision my next larger house being split up into zones and the thermostat in the hallway, each zone has a temp sensor, as well as duct air dampers for each zone. The hallway may be 75, but the office while I'm working from home is 68: turn the heat on. It's night time, it's 63 in the hallway and when it hits 68 in the bedroom, turn heat on. It's 80 degrees everywhere in the house, the temp outside finally falls to 70, turn attic fan on, when inside temp gets to 75, turn fan off, if people are home, turn on the AC to cool down living room and master bedroom to something more comfortable (but only if the fan is off).

In looking through the Insteon_Thermostat code, it doesn't look like I can say just turn on/off heat/AC, all control will have to be done through set points. Is that correct? And more importantly, is this sufficient for complex logic? Just set various extreme set points that will guarantee the desired action for heat or AC by the thermostat regardless of what temperature it sees? (with the 'off' extremes something reasonable so I don't come home to a 60 degree or 85 degree house in case my PC dies.)

The problem will be when the (future) wife wants to adjust the temperature. I can't think of a good way to handle that if misterhouse is making all the decisions and there's no way to feed back changes to misterhouse from the thermostat, Unless someone has something creative, she'll just have to learn how to use a web page to control the heat.

I like the idea of using an already established thermostat for safety or manual override reasons, plus the ever present possibility of future wife-compatibility.