Oh yes - I forgot that part :-) One of the reasons why some of the big ones are dragging their feet is also that they earn A LOT of money from charging extra for official IP addresses.
How many addresses should a non commercial have? Give each one a /64 subnet - don't try to create artificial limits. It is a new world - deal with it. If someone want to set up a server at home - let them do it. I think ISP's should realise that what they provied is a connection. What this connection is used for - reading the newspaper, watching TV, listening to radio, online purchases, research, running your own server for your blog - that should all be up to the person paying for the line.
You can differenciate on the guaranteed quality you are offering - commercial customers could get two lines in through different connection points so it is less likely they will loose connection - home users will obviously only have one line and multiple single points of failure. Also, a home user line is always oversold - I don't know any ISP that actually has enough bandwith to give full speed to all customers at the same time. A commercial customer could receive minimum guarantees of bandwith/speed.
There are ways to differentiate commercial and home users. But it should never be on what they can do with their line. That would be like Ford denying you to carry tools that you use at work in your car because it was not bought as a commercial vehicle.