Decades of working with storage arrays at various levels of enterprise, along with building lots of home-grown solutions based on anything from Unraid, to True(Free)NAS and their contemporaries.
In a normalized setup, the difference is not a consideration factor whatsoever.
That's true of anything though, no?
The devil's in the detail, in this case, BTRFS being the likely culprit, with a close second being FUSE.
My moneys on BTRFS...shudder...how its considered stable in this industry is beyond me.
True, however you are missing one of the major advantages of jumbo frames - dramatically less overhead.
If a given implementation does not support NIC offloading, then its the CPU that deals with it - even with modern CPUs, it doesn't take much for Jumbo frames to become a factor.
Equally, retries due to misconfiguration at the network level, add up too.
I see your point for diagnostic purposes, but for anything close to day-to-day, or 'production', a single block device is not a great idea.
One suggestion here, would be to perhaps look into zvols to serve the function of the block device, thus kinda giving the advantages of both data redundancy and psudo-block-level access - assuming ZFS is in use of course.