I'm not quite as much the critic as the rest of these guys are. While I agree that in-ceiling speakers are far less than ideal, they also are much better than using the speakers built into your TV or a speaker bar piece of crap. So, kudos for having something MUCH better than that. If placement is good in the family room for the five speakers, the use of a angled speaker up front will help with imaging of audio in the room. I've used angled in-ceiling speakers in several locations in my home, and it helps immensely to ensure sound comes from the front of the room instead of just coming from the 'ceiling', which can sound very weird.
You asked a couple of questions about whether things can be played differently in different rooms, and the answer to that is... It depends on what you buy.
An area of playback audio is called a 'zone'. So, you have three zones. Family room, patio, loft. You can combine those zones into a single space, and that would mean everything would play the same everywhere. That would suck. Many AV receivers have two zones of output. The surround zone, plus one additional zone that can be completely independent. This would allow the family room to play one thing, and the loft/patio to mirror each other, but play something else.
There are also three zones receivers which would allow the family room to play one thing, the loft something else, and the patio something completely different. The obvious plus is that you get control over each area independently.
Keep in mind a AV receiver will only have ONE FM tuner in it. It can typically only handle ONE streaming audio station. It can typically only handle ONE Bluetooth connection. So, while you can play FM in one zone, and Bluetooth in another, while watching cable TV in the family room, you cannot play Mom's Bluetooth in the loft, while Johnny plays Bluetooth on the patio, while you play Bluetooth in the family room. That would require multiple built in Bluetooth receivers. To get around this, you can use streaming devices like a Sonos Port, or similar and buy one for each family member and hook it up to the receiver to play them back independently. This is where things get tricky because you end up with a LOT of different options and functionality that is at your disposal and it can vary greatly and cost a fair bit depending on how far you want to take it.
I am NOT happy that the speakers used are 6 ohm. It's pretty (very?) standard to use 8 ohm speakers in a distributed system to ensure you don't have overheating and shutdown issues with an amplifier to multiple speakers. This may limit the volume you play some things at, but shouldn't be a big deal.
To get a full 3-zones of power, sources, etc., then an AV receiver like this would do the job nicely:
Discover the Yamaha RX-A6A AV receiver – a reference standard in home theater with 9.2 channels and 8K HDMI, Dolby Atmos and Vision, DTS:X, and more.
usa.yamaha.com
It has 9 channels of amplification built in (you have 9 speakers!), so it will cover all your speakers. It's the type of product I would lean towards personally for your specific setup. Denon has similar models as well.
If you wanted to save some cash, you could get something like this:
The Highest Resolution. This 7.2-channel, 100 Watt AV receiver boldly explores entertainment possibilities for an advanced home theater with the latest in video and audio, including Dolby Atmos Height Virtualization, DTS:X, wireless streaming and more.
usa.yamaha.com
And the patio and loft would be combined into a single zone, and would play the same thing when zone 2 was powered on on the receiver.
You would need a speaker selector with it to ensure that the amp section didn't blow out on the receiver. Something like this:
The SS‑4 Speaker Selector is a resistor‑based, impedance matching speaker selector used for connecting up to four pairs of 4‑ohm or 8‑ohm speakers, while maintaining
www.monoprice.com
PLEASE: Post a larger photo of the wall interface, but that interface looks like it just takes speaker cables into it, so you will need the previously linked AV receivers with power amplifiers built in to run all those speakers.
