Are they worth it? I have no intention of going back to an I/O after owning my Inboard. It took me a bit to ensure I wanted to change but I love the benefits I now have. Mine is not a $10k version but it's a 2006 that cost $40k at the time and would sell now for about $30k, although a couple years ago it would have been less than that. It's worth more than I/O from that year that would have cost more to buy. So for resale it seems worth it.
For a family with small kids or who are involved in watersports there are real benefits. If you like to cruise at 30 mph they are great. If yo like to go fast they suck.
Mine is very good in rough water but most are not as good as mine due to hull design and construction. Most 10k inboards will not be comfortable or safe in a bad storm, and will thump you when crossing wakes or in chop.
If the design benefits suit your needs, they are easily worth it. If they don't, you should just keep something more common. Mine is not "so so bad" at anything, compared to comparably sized inboards.