Nope, fibre all the way to the wall boxes, with cheap Cat 5 alongside it. Places with high-bandwidth stuff or multiple devices have a switch with an SFP+ port

Nope, fibre all the way to the wall boxes, with cheap Cat 5 alongside it. Places with high-bandwidth stuff or multiple devices have a switch with an SFP+ port to have the fibre come in and then whatever flavor of Ethernet as outputs (whether 10Gbit over copper, more SFP+ for fibre, or 1Gbit ports if individual devices don't need more than 1Gbit). FYI you can get cheap server-grade 10Gbit cards on eBay, they work fine and have an SFP+ port. 10Gbit SFPs are ~20 bucks on Amazon. Places with low-bandwidth needs can just use the "backup" Cat 5 directly or with cheap Gigabit Ethernet switches, to reduce costs where 1Gbit+ speeds aren't needed (plus you can also reuse the cable for non-Ethernet applications, think alarm sensors, home automation, etc).