IPv4 is not holding back home setups, nobody cares about NAT at home.
The place where it hurts is small VPSs, from AWS to mom and pop hosters, the cost of addresses is becoming significant compared to low cost VPSs.
Plenty of people care about CGNAT making it impossible to connect to them.
> nobody cares about NAT at home.
Only because most people don't know how NAT is hurting them, and because corporations have spent incredible resources on hacking around the problem for when peer to peer is required (essentially only for VoIP latency optimization and gaming).
NAT hurts peer to peer applications much more than cloud services, which are client-server by nature and as such indeed don't care that only outgoing connections are possible.
NAT is hurting anyone who has to use CGNAT and share an IP with a bunch of other people.