What we're talking about here is not intended to be anything that would ever satisfy any kind of building codes or otherwise meet NFPA guidelines. Residential sprinkler systems are things of folk lore for most. With the way the NFPA guidelines are written the prospect of DIY'ing a system that meets the requirements are probably always going to remain slim, to none. Some 40+% (total guess based on a few estimates I saw) of the average system cost is from the engineer with at least 15 letters behind his name, of which I'm betting you might be one! ha.
I like the idea of adding heads as pure loss prevention and added safety for the occupants. It's so affordable and DIY friendly with today's plumbing technology. But us guys in cold climates with well water will probably never be able to justify installing a legitimate residential system through the entire house retroactively. Antifreeze, backup pumps, flow rate issues, alarms, tests, and more tests are maybe...just maybe....part of the reason these systems really haven't take off yet.
My two cents only of course.
Actually NFPA13D, was issued for this purpose(no folklore..it is real).
One and two family dwellings & manufactured homes(only 20 pages sans index and such).
IMHO, if you are going through the trouble to install a partial sprk system it would advisable to read the basic installation requirements in NFPA13D(it is only about 2-3 pages), for 2 simple reasons:
a) if you will install something do it correctly for safety reasons( we do that with every other MEP system in our houses..Fire protection code should be as important, if not more).
and
b) God forbid in case of a fire, your insurance claim will be based on your install review...meet code or not....so if not code compliant good luck in collecting.(water damage can far exceed fire loss and it is worse because they will make you keep the dwelling and only pay for repairs...)
I do not recommend a whole house install, even though the guys with the train letters you mentioned are pushing to make it std code for all residences(I do not agree), but a small partial boiler room coverage(only about 2 hds) may be a good idea. Again having said that, do I have one?; no and I am an FP engineer.
I as well am in a cold climate with well water and having a 2 head system would require a mini pump/tank combo to supply the 10 minute duration required(about 25gpm @ a 10 minute supply = 250gallons at 10-12#)...too expensive, thus...no go for me as well.
Simply surmised, all I am saying, is
"if you gonna do it, do it right and not half assed, it is not a slap a pipe and a sprk head maneuver, but also it is not that complicated to review 2 pages of code install parameters(much easier than DIY a boiler install)."
If anyone needs some help with this I am more than available to review and help out for free..ha
Scott