I've never heard or experienced anyone not getting their advertised speed (apart from DSL that varied depending on quality of the cables etc. or wireless servic

I've never heard or experienced anyone not getting their advertised speed (apart from DSL that varied depending on quality of the cables etc. or wireless services). There are indeed laws that guarantee that, depending on where you live. But you can't really expect to max out 100/100 24/7 all year long on a consumer pipe. It is overprovisioned and assumes that most won't be utilizing theoretical maximum all the time. Just as the coffee maker.