I think it's fair to say from your description that your bandwidth demands are greater than average. (Also I think you swapped your up and down, unless you've got a really strange connection.)
i'm not sure my demands will be that unusual, ppl consume what is available. and remote working and EVERYthing over IP is a trend just biting
I've got 3 gigs symmetric at my house, with 10-gige in the wall, and Ruckus APs that can do at 500+ mbps if using Apple products. I can't think of a way to use even a fraction of the bandwidth.
For streaming? Sure, you'll be fine as long as you're faster than the content. For downloads (Steam, etc) the difference between 100Mbps and 1Gbps is literally a 10x speedup. If you're waiting for a multi-GB game patch to download then there is a huge mental shift between waiting 20 seconds and 4 minutes.
That said, I mainly interpreted the GP as talking about expectations. You could argue that driving at 30km/h is blazing fast compared to walking, but it's still the slowest car speed that we usually consider worth thinking about.
It's not exactly a life altering shift though, is it? Four fewer minutes of gameplay time is not, for most people, the 'bare minimum.'
A car that only does 30km/h would be a huge downgrade for any car owner, who would no longer be able to safely drive on any highway. That's a ridiculous comparison. Most users would only perceive any difference between 100Mbps and 1Gbps in uncommon circumstances and the severity of those circumstances would almost always be minimal.
If I'm backing up multiple terabytes to rsync.net, am I going to notice the difference? Oh hell yeah. And ditto if I'm pirating HBO's entire back catalogue. But if I'm bopping around on facebook and youtube? Not a chance. Maybe a few times a month I get a big video game update and have enough time to bake some chicken tendies before it finishes downloading, but a gamer's got to eat anyway doesn't he?
It doesn't matter that much in absolute terms, but psychologically it can be the difference between the download finishing while you're complaining about it, or saying "meh, let's do something else instead".
format code extension resolution note
272 webm 7680x4320 4320p60 32524k , vp9, 60fps, video only, 850.48MiB
If you want, you can download it for yourself like this (the +251 part adds an opus @160k audio stream): youtube-dl -f 272+251 https://www.youtube.com/watch\?v\=1La4QzGeaaQ
Incidentally some videos also have VERY low bitrate encodes that also aren't shown to most users by default. This particular video goes down to 256x144, but sometimes you see even smaller, particularly with a reduced framerate.
This 8K youtube video is 5m38s long and 850MiB large: https://www.youtube.com/watch?v=1La4QzGeaaQ
Do the math on that and you need 21Mbps to stream that video without buffering, assuming a uniform bitrate: https://www.wolframalpha.com/input/?i=850MiB+%2F+(5+minutes+...
100Mbps down is fast for most people. What do you think the average user is doing that needs more than 100Mbps down?