As shakran has said, most low-voltage lighting has the built-in transformer. On things like track lighting and other permanent fixtures the transformer is usually part of the mounting bracket, so the wire you hook to it are normal 115v.
Based on your description of the house you might have a pretty good project :-)
I'm guessing you were thinking of a central low-v power source that would feed the rest of the house. Otherwise you could just use the built-in transformer that came with the lighting.
I'm not sure how an interface for things like a laptop and cordless phone would work, you'd have to have a separate jack for each one due to the different voltage requirements. It'd be the equivlent of sticking the transformer in the wall.
You definatley have some interesting ideas. I think the main thing you'll need is time, but don't forget that complicated ideas break more often than simple ones.
Otherwise, good luck. We'll be here if you need more help.
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"Empirically observed covariation is a necessary but not sufficient condition for causality" - Edward Tufte
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