NIST 800 in general typically doesn't apply to home users.
There are a lot of posts on mesh VPNs on HN. They are useful for startups to control access using ACLs in a granular manner (centralized cloud based firewalls, device context, logging etc). I don’t see the utility in small setups where there isn’t whole lot to segment anyways. The main appeal is probably the ease of installation.
But yes, Zero Trust is for business, home users do not face the same threats, instead they should be more concerned with theft or ransomware than anything else.
I personally will still fall under that same category, I’m not someone important, and the easiest way to breach my accounts will be phishing, but heck, it’s fun regardless.