In 99% of cases, 10G makes no sense in home servers.

Because in 99% of cases “homes” typically have predominantly 1G networking and Wifi as the “Access network” with only a handful of users on it, usually not at the same time.

To upgrade this “1G” standard home network to anything faster will require the infrastructure be made available for higher speeds AND that the client devices are capable of taking advantage of it.

Concretely speaking, you will need to introduce a “switch” with higher speeds as well as upgrading the NIC in any currently 1G devices to the faster speed as well.

Practically and budget consciously, 2.5Gb is the present day sweet spot for consumer/pro-sumer “home” networking. It is relatively cheap, compared to 10G which “can” require a rewire if the CAT5e is substandard.

I have a single 10G link. It goes between two 1G + 2.5Gb switches. I used a simple “DAC” copper link between them.

I have 2 additional 10G ports, so I could link the two Proxmox servers which would take advantage of that speed during migrations and backups, but nothing else on the network is 10G capable or even close to needing to be 10G capable.

10G hardware typically costs a lot more to run. A 10G port might consume twice the power for the same data, even if it’s never hit more than 900mbit/s.

Use-cases which could justify a house-wide 10G upgrade might be, video streaming. I don’t mean playing a remote MP4 off the NAS via plex. I mean real time video streaming, such as lossless video conferencing, remote desktop with full 4K 60FPS playback capabilities. HDMI over Ethernet and so forth. Live uncompressed security camera footage etc. Remote gaming, ie. having a single beast of a gaming server with enough bandwidth to stream 2 clients at 60FPS. More bandwidth = less compression = less CPU = less packetisation delay = less latency = better gaming.

Not sure about your area, but in the UK “most” “good” ISPs will allow ‘alterations’ for a small fee. Items that they don’t want to provide as standard, such as “static ip” or “open port 25” can be added with an email and a one off fee.

That could include getting out of CGNat, getting a fixed IP and having any ports unblocked.

If they have no idea what you are talking about or flat out say “No. Sorry”, find a better ISP!