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gigabit ethernet ports not gigabyte, its 1Gb not 1GB (125MB/s).How many homes does everyone think have multiple clients that can even pull a gig of data using an Ethernet port? First it is hard now a days to find a laptop now that has an Ethernet port much less a gigabyte port. Some people still purchase desktops which have gigabyte Ethernet ports but how many homes have one desk top PC and probably even fewer homes have multiple desk top PCs. Even if a PC has a a gigabyte port is its processor and HD capable of handling more than 500 Mbps. With wired hardware in your home when do you even come close to saturating a gigabyte link other than having multiple backups running. Streaming ripped DVDs uses what 20 - 40 Mbps streams.
I realize that there are people that run heavy graphics programs, PhotoShop CAD CAM, etc programs at home and utilize a NAS/server but how many?
Worrying about maxing out the capacity of a small unmanaged switch in a typical home seems about as practical as worrying about how man angels can dance on the head of a pin.
there are many reasons and i tend to pull multiple Gb/s of data at times, its not about regular usage, its about peak usage. It would be better to do transfers in seconds rather than minutes for example. static bonding can achieve that on single streams (windows copes badly with out of order udp though). Some of my servers have 10Gb/s via SFP+ direct, some use the usual intel quad server NICs and bond 4 ports.
Switch design with multiple switches isnt as easy as you have to consider bottlenecks. A bottleneck on layer 2 can be more devastating than on layer 3, sure the use case might be simple, but if you consider how many devices could be using the same link thats something to consider.
If the choice between a smart switch and dumb switch is a few $ go for the smart switch. You may not need a smart switch for vlans, plenty of other things you could do that isnt related to networking directly such as DHCP relay/server, filtering, bonding. The use case might not be heavy but he is using virgin media which is horrible and using the superhub as a router which is even more horrible. virgin media does up to 300Mb/s so thats significant enough to warrant some thought into the design.
a central switch is usually the most efficient way to set things. I suggest you use your netgear as a router instead and get other APs (ubiquiti have basic AC APs cheap for indoors) and use switches. You should consider smart switches with POE out that match the ubiquiti AP spec, just make sure the voltage(range), protocol and wattage(minimum) are a match