People tend to use layers to get at extra keys like F keys, volume keys, etc. I think it goes too far when they omit the number row, but honestly I mostly type numbers in a numpad layer, so I see the appeal. Basically, people see pressing two keys at once as less work than moving their hand off of home row, and being one of those people myself, I think it's the right thing. I fear that the standard keyboard layout was chosen for discoverability, not productivity. Giving your two best fingers (the thumb) one key between them (the space bar) is kind of crazy, in my opinion. Once you accept that your thumbs can do different things, and even many different things, the keyboard layout design space is significantly enhanced.
Having said that, I did make myself a split ergonomic keyboard with a full set of keys (107, if I recall correctly). Here's a picture:
https://photos.app.goo.gl/XPvTVdwaP2tog8zj6
I ended up not liking the arrows where they were (was used to the Ergodox layout where they are not an inverted T but wrap the big right thumb keys) and stopped using it. Having the number pad was great for Blender, but hard to reach.
With cheap keyswitches, cheap microcontrollers, and cheap 3D printers around... there is no reason not to build a keyboard that meets your exact requirements. I use an Ergodox EZ, though, but may experiment more in the future.