I will just agree with all that has been said above.
Right now is the time to wire. Not just for now, but for the long term. If you don't/won't have access in the future, then put as much wiring/conduit in as possible.
I never understand people who say they just want phone control.
I mean, if you turn on the audio, set it to a comfortable level with your phone, then you go somewhere, or drop your phone, or leave the room, and anyone wants to control the volume, change a source, or anything else, they have to go find you to do so. Nice to setup your house that way, but extremely inconvenient for casual listening.
Which makes no sense, when you can get a system which will do both for around $1,000...
You will need a surround receiver for your surround area, and you will need all of your sources to have analog audio outputs to feed the other zones. This used to be extremely straightforward, but is getting more and more complicated to find sources with analog and digital outputs on them these days.
As said - I would (and did) run HDMI as well as multiple cat-5/6 cables to all of my TVs and this is a good way to do things. HDMI cables are fairly cheap these days and cat-6 is very cheap, but cat-6 HDMI baluns of good quality are still relatively expensive.