if all traffic went through the router you would be limited to 1Gb/s not 0.5Gb/s.
I dont see why you need 2 seperate switches, ubiquiti has low priced managed switches that have 48 ports.
There might be an older model thats a bit cheaper that has 48 ports, 2 SFP+, 2 SFP and POE out, there was a thread not so long ago someone mentioned it.Any model numbers and recommendations? when I look at it using Bhphoto video and limit to 48 ports, it gives me three options ( US-48 $415, US-48-500W $760, US-48-750W $940) none of which are low priced for home use...
Plus I already have the unmanaged TP-link for ~$78
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