> As a counter-point, I'm regularly limited by 1 Gbps PHY limits. During the 2 years of the pandemic I've been working from home with gigabit Internet. Why gigabit? Because that's the "speed limit" of the Ethernet PHY in the fibre broadband box, and also my laptop's ethernet port.

same, I live in a rural village in france where I get 2GB fiber. Yet all my computers aren't able to leverage that.. quite frustrating to see speeds being limited at 110/120 megabytes/s where my drives are easily able to handle gigabytes.