10Gb/s on general class CPU with Linux\BSD kernels is hard to achieve even on Xeon systems, you need some special chips, like ASIC for this. In short it is because of limitation of RAM access delay, architectire of whole system which was not done for realtime applications. Better (reliable and cheapest) way is to go with L3 switch. Another option for fast routing is VPP (Vector Packet Processing Data plane) to do it on Linux you can check this https://github.com/FRRouting/frr/wiki/Alternate-forwarding-planes:-VPP I'v never tried it but you need some 2.5-3GHz CPU for this.
Here is nice post written by guy from PfSense for better understanding (not for BSD vs Linux or so) https://www.reddit.com/r/networking/comments/6upchy/can_a_bsd_system_replicate_the_performance_of/
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The wisdom in at least to have a 10G capable router/switch is that it's future proof. When renovating a house. Why not pull OM3 cables. I know that in the states a lot of house have a wooden construction and pulling cables afterwards can more or less easily be done. In Europe most house are in brick and partially concrete. So planning in advance is a good thing. My layout is ISP <===>Dir-860 B1<==> TP-S2424P and every port is used on the TP. You can see that the bottleneck is the DIR-860.
Of course devices with a 10G uplink let you easily devide the bandwith with lesser cables.
Mikrotik is a 5 port switch that have 10Gb.
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