I completely agree. I run a business with one employee. That's me. I have one business user. That's me. I have my son using my servers. I have my wife saving stuff on the server. Non of their stuff is commercial.
I think, after years of messing with NT server, or various linux distributions, that SME is exactly what I need. But NOT at a cost designed to support a whole group of workers who are probably not too expert.
I would gladly pay a week's income for SME managed services. Then I could get on with being a consultant engineer, rather than an IT amateur.