It sure is nice to try to future proof your installations. Sometimes you even get it right. Usually not. And when you do, you spent premium dollar for something you could have paid commodity prices for when you actually needed it.
I am going through the same though process myself. It does not take much analysis to realize that you are limited to the slowest link in the chain. 10000 TB networking in the house won't play youtube any faster than your 1.5 megabit DSL modem can deliver it. I use this whimsical and obvious example to highlight the importance of knowing your source. Clearly, few people would be looking to invest in 10GBE to surf the internet.
Connecting your desktop PC to your home switch at 10GBE is an interesting thought. It is like the boss at work who "MUST BE CONNECTED TO THE CORE SWITCH!" Not that being connected to the core switch makes it any faster than being connected to an edge switch. It is just that he IS THE BOSS! and ports on the core switch are a scarce resource, and HE IS WORTH IT! You don't argue, you just do it. Likewise, connecting your PC to a precious 10GBE port is an interesting thought, but without any source to produce content faster than 1 GB or a way to process the data faster than 1GB is kinda like the BOSS!
Yeah, I know... I am being silly
The point I am trying to make is you need to understand where the bottleneck really is. Copying a file from a hard drive on one PC (or server) to a file on a hard drive on another PC will not even get the attention of a gigabit network, much less exceed it. You should probably consider adding faster links to devices that can source or sink data at speeds faster than a gigabit. A SSD can source and sink data faster than gigabit. A small RAID stripe of hard drives like you will find in many homes can source data faster than gigabit speeds but many will struggle to sink it. Again, as I said in my opening remarks. Know where your bottleneck is. Spending money on your network won't improve your file copy times if there is consumer grade spinning media involved.
For me, I put an Intel 10GBE NIC in my latest build. I haven't connected it yet. I did buy a multi-speed optic for it so I can hook it up to one of the precious gigabit SFP's on my switch because it is my network and I AM THE BOSS HERE! And, all the cool kids are running fiber. That and the SFP ports are just sitting there empty
The Intel X520-DA1 I bought will run at either 1GB or 10GB with the proper optic, or so the release notes say. Not all 10GBE gear will from what I have read.
I also bought a multi-port 10GBE NIC to put in my file server. I'll connect it to the backup server using 10GBE. A full backup is currently taking days so the extra speed will help. I will connect the file server to an edge switch with a few 10GBE SFP+'s when I get one. My desktop probably won't get one of the limited SFP+ ports even though I am the boss here because I am not the STUPID BOSS! My nightly workstation backups won't notice the difference. Nor will netflix. But, everyone connected to the network at gigabit speeds will get as much as they can consume because the server can serve it fast enough and the link from the server to the switch will be able to handle it.
So, for advice. Since you asked ... analyze your workflows and optimize the bottlenecks. Consider point to point links to improve bottlenecks if you need that speed now. Otherwise, wait for consumer 10GBE to stabilize. Writing on the wall is it will happen "real soon now." If I were to bet, I would bet it will be 10GB-T. But, I am a crappy gambler. I usually loose