2.5 GbE is too slow for my home lab. I want 10 GbE-T PoE++ without having to add a craptastic hat that has a lot of failures.

My network test boxes run 100 GbE of various flavors supported by E810-CQDA2.

With you there, the Pi 5 can handle 2.5 or even 5 GbE pretty adequately.