It seems like the misunderstanding / issue you have is that you don't appear to download anything. As someone that downloads plenty (video games, large binaries

It seems like the misunderstanding / issue you have is that you don't appear to download anything. As someone that downloads plenty (video games, large binaries in general) I'm at 1.2Gbps and would definitely need more in the next few future years. Would I be fine with 500Mbps/500Mbps? Sure but I'd be grumpy but at least it would be symmertrical.