Personally I think you’re over thinking it. There generally is no reason to run 2 separate networks at home unless you want a guest network for friends so they don’t access your main data.
Think of this, you have a smart TV. Perhaps wired. And you have your phone which will either stream to the TV or something. Do you want this on 2 networks.
Imagine a file server, do you want your TV to access it. If your TV isn’t wired you won’t, but if it’s wired then your phone won’t access it unless you create additional routes and rules which means everything needs to go again via pfsense instead of just the switch.
It’s just an additional layer of complication. I’ve learned the simpler the network, the less crap to deal with. And less things that can and will go wrong