The other existing solution to this is FPGA cards: https://www.fpgadeveloper.com/list-of-fpga-dev-boards-for-pc... - note the wide spread in price. You then also have to deal with FPGA tooling. The benefit is much better timing.
PCIe prototyping is usually not something super straightforward if you don't want to pay hefty sums IME.
https://mikrotik.com/product/ccr2004_1g_2xs_pcie
and G-RAID
Usually, without actual silicon, you are pretty limited on what you can do in terms of anticipating the software that'll run.
What if you want to write a driver for it w/o having to buy auxiliary boards that act as your card? What happens if you already have a driver and want to do some security testing on it but don't have the card/don't want to use a physical one for any specific reason (Maybe some UB on the driver pokes at some register that kills the card? Just making disastrous scenarios to prove the point hah).
What if you want to add explicit failures to the card so that you can try and make the driver as tamper-proof and as fault-tolerant as possible (Think, getting the PCI card out of the bus w/o switching the computer off)?
Testing your driver functionally and/or behaviourally on CI/CD on any server (Not requiring the actual card!)?
There's quite a bunch of stuff you can do with it, thanks to being in userspace means that you can get as hacky-wacky as you want (Heck, I have a dumb-framebuffer-esque and OpenGL 1.X capable QEMU device I wanted to write a driver for fun and I used PCIem to forward the accesses to it).
Something like just a single BAR with a register that printfs whatever is written
Hopefully this is what you're searching for!
I wouldn't expect that to be mainstream until after optical networking becomes more common, and for consumer hardware that's very rare (apart from their modem).
In fact, "zero~th generation" of thunderbolt used optical link, too. Also both thunderbolt and DisplayPort reuse a lot of common elements from PCI-E