...unless the home user/hobbyist is crazy enough to want 20+ drive bays in a single chassis...
Still potentially manageable without hot swap. Of course, at that point, the "easy" factor has changed to favoring a chassis designed for 20 drives, which is usually hot swap capable. You really have to work hard to find a chassis with 20 HDD bays that isn't hot swappable (like the
Lian Li PC-D8000). The advantage to that is that, unlike the typical rack mount chassis, the 8000 appears to be designed with some space in between the drives, which means that you'd probably be able to get substantially better cooling with low airflow, which means you could make a very quiet NAS out of one if you put some work into it.