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Wired versus wireless is like Coke versus Pepsi, Chevy versus Ford. Ask 100 people and you'll get 100 different answers.
When it comes to wireless versus wired, If given the choice, I will choose wired in a heartbeat.
For item #1, couple of things to think about (not trying to convince you either way, but just a few things to think about).
We custom built our home a while back so I totally understand the running out of money part. To save you some money, will the builder allow you personally to run cables? It is not very difficult. You don't even have to terminate the cables right now, just run them to the various rooms and keep them hidden behind the wall for now. In the future you can then install a face plate and terminate them.
Best of luck to you.