For most people whose usage are light media, photos editing, 10gb/s is sufficient especially when it is not time critical and not very fast around the computer. It might be even prudent not to spend the £200 difference in Thunderbolt 4 since they are not even going to feel the difference or know the difference.
A lot of times there are other bottlenecks, like reading and writing an SD card into the computer. The SD card itself is likely to be much slower than the nvme or 10gb/s anyway. Having a Thunderbolt 4 hub won't speed up the SD card. Similarly, having a Thunderbolt 4 won't make playing a song off the SSD any better.
You need to be transferring lots of large files on a daily basis or minimum weekly basis to justify it.