For consumer, it's overkill. For pro-sumer, it's perfect, imo. You can start pushing the boundaries, here, but most will not for residential. If you are pushing the boundaries, you are probably savvy enough to roll your own solution or get into the actual, hard-core enterprise stuff. For small businesses, it's similar to pro-sumer. For enterprise, use something else. But honestly, you could make it work for any of these, 99% of the time.
I fall squarely into pro-sumer and my setup has been flawless for me. It's got all the bells and whistles I could ever need while not being too overkill nor really that expensive in the grand scheme of things. I am planning on switching over from Synology to a UNAS for the integration with Identity.
It sounds like you are the exception for pro-sumer.