There are still reasons to have a VPS. However nearly all of them are driven by one factor for me: American ISPs suck; cash from the wallets and otherwise. For one thing, they often make it against the ToS to host 'a server' (generally). ISPs with even remotely decent uploads, EVEN for their business offerings, in the metro area around Seattle (still crazy rent, can't even afford to try buying a house) are like Cable…
Anyway, the speeds are OK, but PPPoE is terrible (and I hear they run PPPoE over fiber around here too), and at least my Remote Terminal has no battery, only utility power and utility power on this side of the sound doesn't have a lot of nines. I've got a LTE hotspot to failover to, but the cell towers get iffy when the utility power goes out too.
Anyway, I feel your pain. I run servers in my house, but I have to run a VPS for my 'important' stuff.