I am in the industry and I can say the personal computers do not need TPM 2.0 ready boards for any appreciable security at home.
If businesses want it, they already buy systems with such capability.
It’s overkill for any home user. If a business has issues with their corporate tools allowing inappropriate software downloads, it’s not a problem with the use of TPM 1.x or before. It’s a problem with their whole environmental setup.
There are two benefits to TPM that some home users might want; (easier) full disk encryption and Windows Hello IR.
Overkill but not wholly unnecessary. There are a lot of security tools on the market that rely on TPMs for crypto. I only see them as a net gain, not a wash or a loss, and while many DIY PC builders will likely forego the $60-$100 for a TPM on their mainboard, most OEMs include them without a mention, esp. in mobile devices.