I have a local streaming server with ripped bluerays and such and a truenas fileserver and I do ML things (downloaded a 32 GB model yesterday), so more speed is always helpful, especially in a crowded wifi apartment building.
In my environment, it's not the insane WiFi speeds that have been impactful, it's managing density more easily. MU-MIMO and OFDMA have been game changers in that respect.
I use Ubiquiti throughout my 90+ year old home, with multiple AC Pros. During the heart of the pandemic I had four people in my house, all Zoom'ing or streaming video at the same time, all on WiFi, with no issues.
I don't really know why I would need anything newer.
Literally, the default router from the operator and it works flawlessly at home. It has several years that model, it works with HFC and literally has WiFi6. To me it looks the same model as 10 years ago. Why should i change it? I'm with you.
There are other uses for WiFi than a home. Office buildings, stadiums, theaters, stores, etc. all often have WiFi available and more people using it. Newer/better WiFi versions are targeted for those kinds of uses.
I'm curious about this. I need faster Wi-Fi for wireless VR, but I don't know would average home user need more speed. For crowded space, more capacity is needed.