z-wave or insteon cheaper...?

["peter" <nospam@xxxxxxxxxx>]

Currently I have x10 setup that I want to replace because the x10 system is
not reliable, and is slow-responding. The two problem together, sometimes
require that I hold down the on or off button for 1 full second before the
light responds.

I want a hand-held remote to control two incandescent lamps: a in-wall
switch/dimmer, and a plug-in switch/dimmer. I can't decide whether to go
with z-wave or insteon, so I would like to go by cost.

For z-wave, I believe I need to buy a handy remote, an in-wall
dimmer/switch, a plug-in dimmer/switch. Each one sells for $45 so total cost
is $135.

For insteon, it seems like in addition to the 3 obvious devices, I also need
an access point to bridge the RF from hand held remote to powerline. Is this
correct? If true, then the cost may be higher than z-wave. If not true, then
it is slightly cheaper. Help?