Even in 2021 if you presented a device in the data centre at 10Gbps with a twisted pair interface it would be a right pain in the backside as you would have to go out and by a very expensive SFP+ to plug it into a switch. Which is why server grade NIC's all have SFP+ cages so one can make the choice between a DAC or some SFP+'s and fibre as suits.
SFP+ in my experience is the way to go for 10Gbps networking in the home too.
-preterminated fibre is cheap, and given the choice between installing Cat6A+ without expensive test kit, or just taking a bit of care pulling the fibre, the fibre is the easier and cheaper option. In my day job I see a lot of abused fibre patch cables and it's amazing what they'll stand up to, especially when you are not pushing the limits of the power budget.
-10GBASE-T SFP+ modules are more expensive than fibre.
-Fibre SFP+ / DACs often consume less power, which means they generate less heat. Most home data closets/lofts don't have air handling...
-There is a healthy market in last-generation ex-server SFP+ PCIe cards at reasonable prices.
I am not sure SFP+ is a great idea in a home. I did my home with Cat6a over a decade ago now
However that was mostly because I got free cable from work. The contractors kept leaving the ends of boxes in the patch rooms at work and the network guy got fedup. After threatening them he would chuck it out he gave it all to me when they didn't shift it. I guess 20m barely gets out the patch room but with a central location can cover much of a home. I did have some 30m lengths as well, and some shorter. I also got free Cat6a patch panels when a floor was refurbished and everything was stripped out including the patch room. Wish I had taken the 50+ Cat5e panels as well and flogged them on eBay. They ended up in a skip
If you do fibre then it gets messy trying to plug your TV or playstation/xbox. I can mix and match over my structured wiring. Sure I have not done a full test on all the terminations, but I have tested some and they sync at 10Gbps and there is plenty spare to re-terminate them if needed. The Cat6a euromodules are however a lot more expensive than Cat5e ones, and I did buy those as my OCD wanted them to match the power sockets.
However you are right, for the price of a single 10Gbase-T SFP+ I can buy a couple of SX SFP's and 100m of fibre. The only use of 10Gbps over twisted pair is to deliver a fast speed to the desktop IMHO. It seems to be taking an inordinately long time for speeds faster than 1Gbps to trickle down to the desktop. I mean 1Gbps to the desktop was the norm at work less than a decade after 1Gbps came out. I was installing my first 10Gbps server connection back in 2006.