I know of several homes where more than one Netflix stream is common, then throw in a Twitch/YouTube stream on top of that. Realistically, you don't always see

I know of several homes where more than one Netflix stream is common, then throw in a Twitch/YouTube stream on top of that. Realistically, you don't always see speeds at what you pay for (especially during peak hours). At least I don't. So, I think it makes sense to pad your max speeds a bit. As far as 20 dial-up modems: I don't see where you get 20 from or even why that comparison matters. We aren't just using geocities and AIM anymore.