Having taken a look at what it is you want to accomplish, it's more of a tedious process than a complex system.

Off the top of my head I would create a movie clip for each layer that can be modified. ie: one layer for the floor one layer for the bed one layer for the lamps...

You would organize these in your timeline accordingly. the floor layer would be the bottom most, followed by the rugs, bed...

Within each MC, you would have several different keyframes each with a different option.

example:

The floor MC would have 3 frames each with a different floor model. Depending on what choice the user selects, you would gotoAndStop('wood');...

The system itself is quite straightforward as I said. It just involves a lot of setting up. I didn't get a chance to play with any saving preferences which may be the only cause for concern, but then again you may not need to save a person's selection.