Hey I don't think your paranoid for a second. But I think a very basic system is a great plus.
Something without the direct intercom.... That's a little creepy. Get a setup where if there is an alarm they try to contact you. If they can't, they send the cops, that's the deal.
I mean what, if they activate the mics and don't hear anything convincing they forget it?
Get what you want, not what they want you to have.