Your plan sounds rather similar to ours ;)
To echo what Duncan said, Loxone looks like a great central controller for KNX devices. Having played with ETS (the KNX configuration software) imagine if I wanted to do what I have achieved with Loxone using pure KNX devices it would be either very hard or impossible.
One gotcha is that Loxone recommend Cat7 cable as 'future proof' but KNX cable standard has slightly larger core cross section and I think also better insulation rating (so you can run next to mains cables apparently?). I have read success stories using KNX on Cat7, but also those describing problems.
In our build I have gone for 'proper' KNX cable for all the switches. It's 4 core so if you wanted to mix in Loxone tree later doubt that's a problem
Yes, there are many 'fancy' KNX switches on the market, but I have found just about every major electrical manufacturer has at least one KNX switch in their range. We've gone with Legrand Celiane for example. This is a French range, but Legrand make stuff for the UK market and I imagine Schneider and the rest do too.
When you factor in the cost of an input using either the miniserver or extension using tree or KNX is a no-brainer. If you want to use 'standard' switches you can get little KNX interfaces to sit behind them in the box. Eg. ZÜBLIN 11503. KNX gear appears much cheaper on the continent,
http://www.idealo.de/ is a good place to search for prices.
That said, I've found KNX PIR sensors are silly expensive. I'm still pondering whether to use PIR or not.
If you have a lot of digital (relay) outputs the Loxone extensions are really rather expensive too. I've got a Modbus interface and KMtronic Modbus relays which work flawlessly. We needed the Modbus interface anyway (for heating control) so made sense. FWIW, the KMtronic relays also have NO/NC connections which is much better for shutter control. There's another thread on here about alternates to the relay module.
HTH,
Robin