I’ve managed to bind them using Matter bindings, so even if HA is offline, the switches can still on/off and dim the bulbs.
No UI supports this yet (though I think HA is working towards it), but the underlying protocol support exists, and products are starting to come to market that take advantage of it.
I think it 2-4 years, it’ll probably be ironed out and working well, but if you really want it, you can have that now with matter/thread.
I think Zigbee devices also have bindings, and those should probably be a lot more mature, but I haven’t played with those yet.
I have 100% Zigbee lights, and each lighting circuit has a Shelly Plus 1 with the relay in "detached" mode (so the shelly will sense the light switch changing from open to closed and send a command to HA to turn on the lights via Zigbee). Most (all?) smart bulbs have a setting for "what do I do when power is restored" and you can set it so that they come on when power is restored.
You can then create a script that uses the MQTT HomeAssistant up/down topic and if HA is down, when the switch changes position operate the relay.
It's not perfect - if you have a powercut during the night all of your lights will come on when power is restored.