Lets assume basic computer literacy. If I did write a complete SmartHome program, handling all the above things, I am likely computer literate. It does not matter if I wrote a Computer sciencex master thesis at Cambridge 
We should all know we must never just kill the RPi by taking its power out. There are 2 ways to power down Rpi:
1) simple way: send IR command PowefOff to RPI and grab that same IR signal to kill its power 10 second later. This is useless since my LE9 hangs daily and then Kodi does not respond to any IR commands and I must pull out the power plug anyway.
2) good way: IR two-way blaster (a micro controller) as any other Tasmota Smart device can have two way communication with the controlling computer. Amateurs mostly use MQTT, but that is quite bad as it needs several other programs to handle the data. I had to fight almost 20 bugs in Tasmota alone - please, no more add-on programs than this one! So, when needed, all my Tasmotas can send the data directly to my SmartHome computer - an RPi Zero. It takes entire 2 lines of code to enable this
with no MQTT installed.
My RPi4 LE is unaware of RpiOn and RpiOff signals. When my IR blaster receives an RpiOff IR code, it simply calls my SmartHome program. There is some complicated code (literary copy - paste here) activated by that call:
ssh [email protected].${Subnet}.9 "shutdown now"
SendHttp "44" "Backlog Delay 100; Power2 Off"
Meaning: shutdown my RPi at .9 politely and orderly. Afterwards, kill its power supply 10 seconds later. SendHttp is a tiny function making sure http request is well formed, and it sends it to .44 computer which kills the RPi4 power supply.
No, it will never break any file system .)
As for the "fun fact" about costs: RPi in question is at Relay 2. of 4 relays Smart Switch costing about 20€ delivered. I connected RPi4 to it since LE9 hangs almost daily. So, in essence, it is free.
But, say its share is 5€. You can buy a remote controlled RPi power On/Off switch for 5€? 20€? My SmartHome IR blaster is already there as it has to manage above mentioned things: heating and cooling. If not, its complete costs are probably less than 5€.
So, you can do better and with less money? Less than 10€? It can not be functionally better. Nor more eco as I use the same Smart Devices to manage several others.
Fun fact: sciencex without an x at the end is censored here and I can not write it!