The safety issues for ELV systems are as critical if not more so than 230v systems. ELV systems are highly prone to fires because of the high currents involved. Most of the vehicals on the road that catch fire are due to 12vdc faults. It's a common misconception that with ELV it's much safer but in the days when 12v halogen lighting was becoming fashionable there were many fires caused by these systems which lead to several changes to the installation codes.
True but look at the size of the wires that supply a starter motor on a car. This is going to be the size of wiring you'll need around your transformer and the reason you'll need 10 or more circuits of 2.5mmsq cable to carry the power to the lights whereas if it's 220v distribution a single cable would suffice.
SMPS's in their basic form have notoriously poor PF. Depending on the individual item and the mode of its operation it may have internal correction installed so whilst PF is always a consideration it may not be an issue.
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