A UTM serves far more purpose than just keeping a hacker from your family photos. An analogy would be, nobody needs locks on their doors because you only have a cheap no-name TV to steal. The entire router industry disagrees with you as every major home router vendor in the world has UTM solutions either out, in the works, or coming soon. Just a few off the top of my head;
Trend Routers
ASUS w/Trend
F-Secure Sense Router
Bit Defender Box and Box 2.0
Bullguard Dojo
Cujo
RATtrap
Fingbox
Keezel
Luma
Norton Core
the list goes on and on. Tenda and Netgear are also in talks for UTM solutions from major vendors.
The reason is, a router (NAT) isn't considered protection any longer. A firewall with SPI is woefully obsolete. Blended deployments within homes are creating a deep, blended threat layer that can't be secured at the device level. Great, you have an AV Suite w/a GOOD firewall on your PC. You'll be 'reasonably' protected. But what about your NAS/WD Drive? Your thermostat? Your printer, smart plug, robot vacuum, TV, DVR, Smart Phone, Tablet, Kindle, Instapot, Firestick and everything else? That's the point of a UTM and that's why in under a decade every home will probably have one, you might as well start now. The nature of BYOD is also facilitating this, devices are coming and going, from secure to insecure networks constantly, and getting hijacked.
Also, let's not neglect the single pane of glass management/awareness UTM's offer. It's easy to spot an infected/hijacked device with ANY of the above home UTM's. Most of those UTM's have anti-DDOS outbound protection (SHIELD) as well.