I love even crazy tech nerds say this shit. 100mbps is more than enough for the vast majority of families. Unless you constantly have 5 or 6 streams running concurrently you'll never use more than that outside of the occasional video game download.
It’s not though. You’re taking marketing claims at face value, assuming the customer consistently sees that bandwidth with few to no glitches and low latency. You’re assuming bandwidth isn’t sucked down by ads and trackers. Doing the math in ideal numbers makes it look sufficient, but actually using it highlights that it’s not
I've lived on 100mbps quite easily for many years. I have gbps available and choose to save the $10. You are grossly exaggerating. Comcast and FiOS have been reliable well over 10 years now.