There must be a speed at which the benifits dwindle to zero for the average person. Having speeds which would probably satisfy an office block are simply of no value other than being able to boast about. I normally get 215/21 from Virgin fibre, at the moment it is down to 95/21 and I have not noticed any difference. I would be happy with 25/10 as long as it was reliable, before the fibre was installed in our street, I got 7/2 if I was lucky and the poor phone lines, underground in corroded aluminium held up, and I live on the edge of a town of 86000, not in the country.