- a spacebar row with some modifiers
- three rows of symbols, the middle one is generally considered the home row
- one row of numbers or less common symbols (uncommon punctuation, accented letters)
- a gap and a row of function keys
- the gap between the number and function row (some TKL or 75% layouts);
- the function row (60% layouts and generally layouts below 70%);
- both function and number rows (40% layouts).
I've never been bothered by the function row, because it takes up very little extra space. I don't mind 60% keyboards either. Fn-numbers reduce overreaching even further, provided the Fn key is reasonably placed, it's only worse for something like SC. (I'm leaving out vertical placement of function keys somewhere on the side, because it makes them harder to reach from the home row.)
The space gained by ditching another row is still quite small. An embedded numpad layer might work pretty well for numbers around the home row though. However, where do you put the function keys now? What about the punctuation? That's at least three modifiers/toggles. And chording suddenly becomes very tricky.
What about doing it the other way around and add rows?
- I've tried to use a keyboard with two bottom rows, an emulation of thumb clusters and palm keys. It worked surprisingly well with a proper choice of keycap profiles.
- Some keyboards designers have added one row for punctuation (Maltron and Kinesis at the bottom; Marsan between the number and the upper letter rows).
- Many (mostly old) terminal/industrial keyboards have an additional row of function keys (F13 to F24 or macros). Unfortunately, these aren't exactly easy to reach from the home row, due to the maintained gap between the number and the function rows.
edit: fixed some typos