Software and IP cost viability for home use

This is something you would have to discuss with altera.

But Altera are not aiming themselves at the home hobbyist beyond whats available in the free web edition. PCIe and GigE are part of the higher specced boards, so unfortunately you will be bound by the higher prices. Altera work on annual subscription basis so you will need an annual renewal.

But if, as you say, you will be working on designs for work - why not get work to pay for it?