> Even as a tech enthusiast filling that would be some work
Have you ever used VMs on a laptop? How many virtual networks do you need? Only one? With only one you only need one extra bit bit for routing, so you could give a /63 instead of a /64 to your laptop, except that IPv6 allocation is supposed to be done in nibbles (and you need to overprovison anyway, what if tomorrow you need two networks?), so the next logical step is a /60, which means your ISP should give you at least a /56. Personally, I use much more than one virtual network on my laptops, so I would need a /60 anyway (if I want to keep all the nice properties of IPv6, that is).
As long as you want to keep everything nice with IPv6, the block you need is /64-(4*n), where n is the level of routing you plan to do.
> unless you insist I use a /64 for point-to-point links.
Each p2p link on IPv6 uses a /64 (even though it's only assigned an /127).
> How does a household with 3 people need 14 subnets?
In the IoT era (where S stands for security), if you don't put each IoT device in its own VLAN, you are in for a surprise.