What is your ultimate goal? Are you looking to just model your house or are you also looking to do some drafting? You mention having layers to draw on top of the floor plans and section cuts, but I’m sure I understand what you hope to do.
If you are planning on having a model you can render, you really want to have a layer for every material you want to use. Regardless of the rendering system you use, that will help significantly. Depending on the depth and detail of your model, you could have one layer for the concrete foundation; one layer for the “core” layer of the walls (2x4, 2x6, etc); one layer for the inner surface of the walls; different layers for the different types of materials on the outside; then layers for furniture, lights, appliances, etc.
The simplified version would be to have a layer for walls, a layer for floors, a layer for windows, etc.
For drafting, you want to be much more selective. In general, I use about 5-10 layers, and sometimes more depending on the project. I do it somewhat old-school in the sense that I have different layers for my thin/detail lines, medium lines, thick lines, dimensions, hatches, dashed lines, etc. The principal being that you can set the layer properties to correspond to your different line weights and types. With drafting, less is more. I had to deal with a 80+ layer sloppy CAD file that was a nightmare to work with. I have done construction drawings for a 3,000 square foot house on only a dozen layers.
Hope that helps.