Slightly off topic, but what issues do you have with your Schlage Sense locks? Mine has worked perfectly since I integrated it into OH via Z-Wave, but experiences have varied in the community.
Personally, I think vendors generally do what makes sense for the majority of their customers, and that means providing cloud services. Those of us with our own home-automation servers are the outliers. Mind you, I generally think “lock in” is overstated with respect to luxury-level electronics and consumer goods. Just my opinion though, and I know that lots of people disagree.
Anyway, I use Z-Wave for my door lock, sensors, and one Zooz light switch. Everything else is WiFi (mostly TP-Link Kasa and Tasmota-flashed Tuya devices).
Kasas are, in my opinion, the best bang-for-your-buck devices you can get. They’re controlled locally by openHAB, so you can deny them Internet access. I’ve found them to be very reliable, and they go on sale regularly. The only issue I’ve had is that one older switch has become tricky to press. I suspect that was due to it being in the bathroom, as no others have given me trouble over five years.
Tuya devices have gotten much harder to flash with Tasmota, so I don’t recommend those unless someone is an electronics hobbyist. I love what you can do with Tasmota, but the Kasas are often just as cheap when they’re on sale. Also, MQTT can be a pain to set up.
Of course, if you’re talking about running wires throughout your house then hardware costs probably aren’t an issue. And if you like the Lutrons, stick with the Lutrons.
I have high hopes for Matter. Note that it’s not a Zigbee follow-on. It’s managed by the former Zigbee Association (now the Connected Standards Association), but devices use WiFi or Thread radios, with BTLE for setup. Last I heard, it’s still unclear if Zigbee will fit in or remain separate. Whatever the case, Amazon and Google have already said that recent Echo and Nest devices will support Matter, and that will go a long way toward adoption.
The good thing about openHAB is that you can run any combination of this stuff. From that standpoint, I’d focus more on finding the best openHAB-compatible device for the individual job than worrying about which standards to choose.