The "This is fiber to the home" was meant as a "This isn't 5G Cellular." 5G cellular sucks, and it's already being planned on phase-out as 6G starts to show itself.
This seems to be more of a SOHO internet option as opposed to a consumer option - at least right now.
I understand that but no matter what you bring into the home you cant bottle neck at the access point or the switch. If they are bringing 20gbit in it means thjey are going to switch up to wifi access points on higher frequencies to carry more bandwidth. Hardly anyone does hardwired networks anymore most people just use the wifi access point built into the modem.
Just because they can do it, doesn't mean anything.
Most consumer grade stuff is incapable of handling a 54Mbps connection in a congested area, and consumer wired silicon has trouble with gigabit.
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