Draytek Vigor. Any of the mid range units. Bomb proof, well supported and have VoIP support that isn't a piece of shit.

Juniper SRX100 ($500), with Ubiquiti APs (~$100).

That's a bit overkill don't you think? Do you really think a home user would have a need to run BGP?

Overkill for a random home, but maybe OK if you WFH and need to vpn/IT wants manage a bunch of devices centrally/etc. $1k in equipment vs. $300 in equipment isn't that big a difference for a few important home users if you're already using all the same equipment in your other offices.

(also a lot of startups have like 20 people working out of a home or condo, and they bump up against memory/crapiness/etc. limits of consumer routers and APs pretty hard.)

OP asked for "low end commercial router", though.

I'll add on the following requirements.

Working QoS IPSec (roadwarrior config w/ certs) CoDel (big plus but optional) VoIP (optional)