Its a tricky one as a good lighting designer is not going to be cheap and will generally specify more expensive fittings. I have used them a lot for commercial work such as retail design and restaurants, but generally do it myself for domestic, unless a client has a massive budget. As has been mentioned above mixing up lighting types is a really good approach. Maybe downlighters that are dimmable for general lighting and then 5amp circuits and spend you money on some really nice floor standing feature lighting and task lights. You can then take this away with you if you move house. I spent £800 years ago on on an Arco floor lamp (which are now over £1200), but it was money well spent for me as it looks fantastic and has been to 3 different houses with me. Dont make the mistake of putting a grid of downlights in a large open plan space. It is much better to think about what you will want to illuminate such as pictures on walls and place areas or lines of them accordingly. I generally don't bother putting rows of downlights in front of full height glazing as it just reflects horribly off the glass . It is much more effective to put lights where they will shine on walls and then the light into the room is reflected from then rather than direct. Dont just rely on recessed downlights in a bathroom as they cast shadows on your face when you look in the mirror and are not flattering.