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Innovative is generally a strong idea, especially if you can take it early. Almost all the benefits from it are over time though, so at first it sets you back a bit compared to other ideas.
Personally I don't like the Economic ideas too much, unless you're having inflation issues from gold mines. Money usually isn't that critical a ressource (especially later in the game), if you plan on colonizing anyways I'd take trade earlier instead of Economics. That's at least party personal preference though.
And it's difficult to effectively realize the planned idea groups like that anyways. It depends too much on the rulers you get and how the game is going for you (in which groups you find yourself having a surplus of power points) usually. There are a few cases where you absolutely need a certain idea (religious or exploration for example, or a military one if you're fighting a lot), but othter than that I'd go with what you need at can afford when a new idea unlocks.
Hard to say what you have in mind and how the game is going for you though, in the end you can go with whatever you want for whichever reasons. :p
I suppose I'm mostly concerned about possibly needing to take Religious Ideas if I do want to switch to Protestantism, and I do find the reduced Idea costs a very tempting reason to convert. I just don't know if I should be intentionally trying to encourage Protestantism to spread or not.
And I'm not really sure if you need Religious ideas for switching to Protestant. Once the religious zeal has run out you should be able to convert pretty much all the provinces (if you have the advisor and some decisions).
And if not you could always let some protestant rebels do all the work for you and the accept the demands...
If it's at least mostly for roleplaying reasons just wait for some protestant rebels to pop up and let them convert everything for you. Else I'd just stay Catholic.
If I have 4-5 cardinal for "Austria", with me playing as Austria, and I decide to convert to Protestant. What happens to all of that cardinals? Do they just quit and let new cardinal in? I did that once to just mock the catholic countries (I hate spam vote anyway). I was wondering what was the consquences of doing that.