Im an electrician in nj, usa, and a homeowner is allowed to do their own electrical work, if its alot of work like a renovation that usually means them getting a homeowners permit and having it inspected to make sure its up to code,
but if its like small work like adding an outlet,switch,fixture,etc(home automation relay) a homeowner can do it legally without inspection
needless to say I've been to alot of houses where I've had to fix a homeowners shotty work, so please don't attempt this if you aren't confident in your ability to do a neat safe job
but if you know how to then I don't see any problem even hard wiring your devices(which will probably look nicer compared a plug in ceiling light)
An definetly go with the extra wires, its always better to wire for the future even if you don't plan on using it, it saves tons if time and money in the future if you do use it, even if you bury a cat5 wire next to the outlet so in the future you can cut a hole and retirieve it will work great
Good luck!