So, at least in the US, short of a dedicate life-safety panel (such as Fire-Lite or Silent Night which are commercial-use-oriented) you are going to have an awfully hard time passing inspection with just an alarm panel. Even if it theoretically is correctly rated.
That means that unless we are in a large commercial space and using one of the aforementioned commercial systems, there is going to be a fire alarm system installed with traditional kiddie or whatever ceiling mount detectors wired together with 14/3.
If you want further monitoring, you do that with a stand alone alarm panel which will have its own smoke detectors (typically only one per floor in a semi-central space).
This also covers things like OMNI and ELK or even loxone - they will traditionally have their own sensors installed alongside your conventional system.
As for the rest of your message, I think it's important to take a moment and discuss loxone. What it is, and what it is not.
Loxone, the mini-server and software enviroment, is essentially a programmable logic controller of sorts. It doesn't inherently do anything, it purely provides a means to coordinate and control other systems and then present that information out in a digestible front-end.
Some of the other loxone branded hardware (relay modules, dimmers, air and tree components) are "other systems" that loxone just happens to produce themselves for end-user simplicities sake. But don't mistake these "other systems" as marking the extent of the loxone systems usefulness. Loxone is strongest when coordinating and scheduling a lot of disparate systems. Think less Omni and more Crestron.
Now, just like Crestron, loxone isn't for everyone. Similarly, OMNI isn't for everyone either.
I think the real acid test is this:
When you define the extent of your automation, if it cleanly fits within the confines of one of the residential general purpose automation platforms (ELK, OMNI, etc) then that option will be more cost effective and easily understood by a wider audience.
However if your use case doesn't cleanly fall inside the confines of the preset functionality of a residential automation platform, then you should really look towards the next step. That step will be Loxone/Crestron/Control4/etc.
Take my use for example. 90% of what I am doing could fit on an OMNI Pro II /w OMNI-BUS relay/dimmer/switch modules. It would be a very good solution, and certainly more widely understood than my loxone one. But, that last 10% was incredibly meaningful to me. That meant I was going to need to deploy a Crestron system, but I both lacked the budget and also had concerns over being able to keep current on evolving front-end needs without significant ongoing expense.
So loxone it was/is.
Don't take any of this as a pardon to loxones shortcomings. They have a number. But be careful attributing to shortcoming what is actually just a side effect of it's underlying strengths.
Karl P