The Banana Pi BPI-M7 single board computer is equipped with up to 32GB RAM and 128GB eMMC flash, and features an M.2 2280 socket for one NVMe SSD, three display interfaces (HDMI, USB-C, MIPI DSI), two camera connectors, dual 2.5GbE, WiFi 6 and Bluetooth 5.2, a few USB ports, and a 40-pin GPIO header for expansion.
Sure, you do. But people just starting likely do not. I'm thinking of the new user, not just myself.
For that you don't even need a Pi 5. You can get a cheap SBC at around $10-20 to do that work.
And you are assuming people are only buying new boards to replace old boards.
"Keep going on"? I've mentioned it maybe 2 times, that's hardly enough to classify it as "keep going on".
I just don't believe that Raspberry Pi or SBCs are the king(s) of home servers anymore. There are a lot of cheap x86_64 based options out there. But yes, if you just upgrade from a previous generation the Pi 5 is perfect for you, even though it's likely overkill for your use-case.