Yeahhhh...
Obviously it can all depend on your requirements, but this N95 system has been pretty eye opening on how much people are over-speccing their builds for home server use. It has 8Gb of memory in it, but I seldom see it use more than 2. The box is doing DNS, Jellyfin, torrenting, VPN, private git, etc.
It is and it isn't. It's super dependant on use case. They bill on operations, not bandwidth. Obviously if you are hosting video/audio to be streamed, that could mean massive savings.