I want my next house to be from Southern Utah
Listen to Kazoo, he's setting you straight.
If someone suggests that you can squeeze out a little more light by using compact fluorescent lights in your down cans, but don't do this to to get around your power rating. That is, only install the number of cans that can fit on that line using the max rating of the can.
Even though you will not be pulling a permit for this work, there is very good reason for the code. For instance, if you find that you could put nine or ten cans on a line by using compact fluorescents, and someone comes behind you and replaces them with conventional tungsten, the results could be lethal. And even if you were not found out and prosecuted, it would be on your conscience.
Use the fluorescent for the savings in energy and heat, but go by the code!