You don't need Cat7 for 10G.
Cat6 is spec compliant up to 55mm. Cat6a to 100m, which is the same as Cat7.
If you're doing short runs like to a nearby switch, good Cat5e works fine in practice. I've run 10G over Cat5e through the walls for medium runs without errors because it's all I had. It works in many cases, but you're out of spec.
I use DAC where I can, but most people just want something they can plug into that RJ45 port in their wall that goes to the room down the hall where they put their switch.
There are several SFP+ to Thunderbolt/USB4 adapters on the market. Not cheap, though.
For laptops I assume you need USB/Thunderbolt adapters. (Still no SFP+ or SFP28 module for Framework?)
For desktops you'd use an SFP28 card (taking up a PCIe slot).
For devices like Raspberry Pi's, etc. you'd use... local RJ45 switches with optical uplink ports?
The convenience and flexibility of PoE would always push me towards copper wiring.
Most of my devices only need 1G or even 100Mbps. No reason to switch to fiber. 1G/2.5G copper ports don’t use that much power.
For 10G+ things, it’s fiber or DAC first if possible then RJ45 if it’s the only option.
Then my backhaul between rooms is just single mode fiber, good up to 800G. Plug in a small switch at the end and you go back to RJ45 and PoE.
I only have 10G though (to transfer large files/RAWs between my computer and my storage). Something faster would be nice because NVMe SSDs can go 50G+ but that equipment is pricey and power hungry.
Not even close to being true, unless you specifically mean 10Gbps over twisted pair (Cat6/7) cable. SFP+ is the default on a ton of network gear still.
Edit to add: If you want an example, these are the NVidia ConnectX nics available from FS.com, the lowest end one is 25g, then 100g, 200g etc.
We're at the point where 25GBaud PAM4 is being replaced by 50GBaud PAM4. That's 50 to 100 Gbit/s.
But iirc the use of PAM4 for the faster ones than "only" 25Gbit/s lanes is a hindrance to managing bottom-barrel price-per-bit. PCIe 3 was 8, PCIe4 was 16, and PCIe 5 is 32 GBaud with a line code basically like the 10+ Gbit/s Ethernet links (well, it's 66b/64b for Eth and 130b/128b for PCIe).
As for allowing to switch to fiber, that just seems orthogonal again to what these USB NICs are for, not to mention the SFP+ itself is probably more expensive than the NIC shown here...
The other side will then also need a low power NIC (of which fiber and DAC over SFP+ are less power hungry). What this article doesn't mention, is that there are also a lot of PCIe NICs on the market which aren't power hungry (RTL8127), as well as RTL8261C for switches/routers.
I've seen low power RTL NICs with SFP+ on it, too (example: [1]). With SFP+, you'll have a lot more versatility. DAC and SFP+ fiber are very cheap, btw. Especially second hand they go for virtually nothing. I have 10 SFP+ fiber lying around here doing nothing which I got for a few EUR each.
For me as European with high energy prices and solar energy gotten the beat next year (in NL), this is all very interesting.
There's a couple of good reasons why to opt for fiber in the home. You keep the energy between the different groups separated which can help. I also find fiber very easy to get through walls, allowing me to have multiple fiber connections through walls (currently I use 1x fiber + 1x ethernet for PoE possibilities from fusebox).
With all above being said, AQC100S is low power and does not get very hot. You can get these with SFP+ and PCIe/TB. They've been available for a while.
[1] https://nl.aliexpress.com/item/1005011733192115.html (no vouching for, just first hit on search)
I suppose an NVME riser is also an option, albeit janky.
edit: on looking closer, that still seems to be an x4 card.
Ethernet is media independent. Yes, yes, it was first classified for thick net, but ethernet over twisted pair (rj45 typically) is still ethernet despite the lack of vampire taps. You can run ethernet on thick or thin coax, twisted pair, dac, fiber, or even over the ether so to speak.
That said, 10g over rj45 is pretty handy when you have existing wire in walls. In my experience, it runs fine on the cat5 (not even cat5e) that's already there. Maybe it won't work on all my runs, especially if I tried all at once, but so far, I'm two for two.
The spec is for ~ 100m in dense conduit; real world runs in homes are typically shorter and with less dense cabling... and cabling often exceeds the spec it's marked for, so there's wiggle room.
In fact I had more trouble getting quality fiber working for that sort of distance than El Cheapo cat5. They do heat up a bit, but they work wonder.
The termination comes with basically no instructions.
The connector shell contacts the shield by squishing it between the shell and the cable jacket. With a zip tie, helpfully supplied with the connector. Good luck applying much (any) compression force. Never mind that CAT6A cable jackets come in various sizes, are not manufactured to tight tolerances (why would they be?), and are quite squishy.
Compare to a high quality F connector, which is highly engineered, less expensive than a decent Cat6A jack, and makes excellent contact to the cable shield without much fiddling.
The switch that connects to it has no grounding terminal of any sort. It uses an external isolated power supply. Admittedly, the ground connection on a switch is probably doing very little at frequencies of hundreds of MHzz