I agree with practically everything you wrote there...........
Our house will be two story, built with ICF's, and since the lot is sloped, the back and most of the two sides of the basement (or, actually, the lower level) will be underground. The front faces south, and we have lots of large windows on that side for some thermal heating in winter, and the right sized roof overhang to keep the direct sun out during the hottest part of the days, so we're doing what we can with the design. I also want to build the house for resale at some point in time, so I have to be somewhat sensitive to the market here, so no straw bale walls for me. Consequently I also won't be putting any solar water heating panels on the roof.
Using ICF's (insulated concrete forms) can yield R values between 30 and 50, depending on construction methods, so this will help too. One of the other benefits of using concrete for your walls, at least here in Tornado alley, is it's easy to construct a "storm room", and ours will have that as well.
I like the idea of solar thru photovoltaics, but our local utility does not "buy back" power or offer rebates, so the payback will be limited and slow. I actually was planning to move to SLO from San Diego, as I really like that area, but I got married. I had a home, family and career in Ca, she had the same here in KC. Guess where we're living...............sighs.........