Thanks @smn & @JDRoberts. This helps me to picture what the first few steps will look like. Many of my Z-Wave devices are older, non-plus tech. Still it is good to know what I am getting into and conceiving a mitigation strategy.
Update - pulled the trigger on one the Hubitat deals at @TheSmartestHouse. I chose the one that includes a Zooz Double Plug (basically free, with the 5% off code for writing a review for another product). That will help me to start upgrading to Z-Wave Plus at the same time. So, I will move any future questions over to the Hubitat community.