Disabling SMT on Intel CPU's: Necessary for the Desktop?

I just read this article where Greg K-H recommends disabling hyperthreading on Intel CPU’s to prevent future Spectre-like vulnerabilities, which is, according to him, a 20% drop in performance. Is this a concern mainly for server and enterprise, or should it concern desktop users as well, i.e. should I turn my hyperthreading off?

Most likely not worth for desktop as viruses targeting desktop Linux users are rare to begin with.

This is for the enterprise folks. Imagine you have a VM in a rented VPS running Bitwarden. A malicious actor can rent the services from the provider which then runs malicious code repeatedly, hoping to sniff out whatever concurrent hyperthreading process in the same core that it is running. Hoping to get useful info such as passwords and keys.

Not sure what is the equivalent use case for consumer/non-server computers.