Thanks everyone for your friendly (and sometimes not so friendly) advice... but I did ask for it!!!
We've had a chat to our builder (who's on holidays... Bahamas? some of you ask?) and he's happy for us to buy our own lights and provide to his electrician to install.
We're getting there!
thanks again everyone... I'm still sold on the LEDs but I'm sure I can cut at least $100 off each one. That should save us about $2000! nice