The fact that you did is completely beside the point. I used 2k and NT at home too. Doesn't matter. It was never sold as or intended to be a consumer/home OS.
But I think 2000 introduced the "pro" licence/label, meaning it was aimed at business users. I can't recall there being a lot of "desktop pcs" or laptops with NT oem licenses, aimed at "business" users.
So it's probably correct that xp cut over and abandoned the win95 codebase - but I also think 2000 marked the start of that effort.
I know of non-technical users using PCs that came with win2k at that time so there was some level of win2k usage in intended for consumer machines, though maybe this was after ME acquired a bad reputation.
Microsoft finally got it right at Windows 7. It's been downhill since then, with Microsoft trying to make the desktop look like a phone.