Highly disagree that Z-Wave is dead. There are many companies, especially Zooz, coming out with new products all the time. Yes, ZigBee is far cheaper but I’ve had the worst reliability issues with ZigBee and moved everything to Z-Wave. Zero issues with connectivity or batteries dying too fast.
But that’s the beauty and strength of HA. Openess and selection.
Going off of SMCF, it really depends on how liquid you are and what country you’re in.
If you’re in the US, I have SoFi and 4.5%/APY on my savings account. Gotta have your direct deposit or move $5k monthly into the checking. If you can swing that, it’s a great bank. I think Ally does similar.
Most major brick and mortar banks are shite for accruing interest money.