I guess I'm getting old, but I have to wonder what people are doing that they need more than a gigabit. I don't think I've ever been able to use more than about 50 mbit due to constraints on the other end.
I have a hard time believing there is anything they can do to saturate 1 Gbps connection at home. It's probably just bragging rights on speed test reports, without any relevance to real usage.
Besides that, my two housemates streaming 4k while I'm downloading an iso can definitely hit the cap. The extra headroom is nice, versus just falling over