My concern is if Windows 10 makes everything look/act like my other options, is it worth if for me to stay with a Windows phone just for the tiled home screen?
From my point of view W10M still has a few objective advantages:
a) The security of an iPhone (or slightly better), without the cost of an iPhone.
b) Single source mobile app development (Universal apps)
c) The privacy of an iPhone, without the cost of an iPhone.
d) Hardware choices, without the fragmentation of Android.
Those are all things that rank prominently on corporation's lists of desirable features. Unfortunately, consumers don't share many of those interests.