What are these "out of the box devices"? I looked into things a couple of years ago, and back then it was all too much effort to set things up and keep things running and integrated, so I just went with Smart Life stuff from AliExpress. But would love to have Home Assistant if it means I don't need to spend weekends just reading docs, pairing, setting things up, connecting stuff...
Look at Home Assistant Green [0]. They've also got a smart speakers as of just recently [1], although they're still a "preview edition". The prices seem comparable to other similar smart home devices, IMO.
For the wifi smartlife stuff, you can use the official cloud based integration or if you want local control, the unofficial tuyalocal. The official integration is really easy to use but if your internet connection drops, you can't control your devices so I prefer to use tuyalocal it still requires to add the devices to the smartlife app once and then you add a device from the addon by scanning a qr code with the app. Once this is done you have local control over the device.
Zigbee devices require more initial setup, you have to buy a dongle, install the Zigbee2mqtt addon and the mqtt integration, but once this is done adding a devices is a really simple process : you put the devices into pair mode and allow pairing for 90s in the Zigbee2mqtt page and rename your device to something
useful.
I've got HA set up (nearly 2 years now with a whole host of things connected: Bluetooth, WIFI, iOS devices, Zigbee, etc.) and I think I'm only just getting to the point now of two weekends worth of reading docs (primarily because their documentation seems to be written by developers rather than technical writers). Most time I've spent tinkering with HA was modifying their embedded `mastodon.py` to make it work with GotoSocial (but I think someone upstreamed a fix for that and it's no longer required.)
