If there are file servers anyway, may as well use them for authentication.
I'd set up the ADSL as I described it with a pair of Cisco routers (yes, expensive I know). An 1841 with 2x ADSL WIC cards at each site means that you can have both ADSL connections at each end going into the same router. Once you've done that, set up a couple of tunnels between the sites (each tunnel going over different ADSL links to the other). Then you can set up a routing protocol of choice (OSPF or EIGRP) on the tunnel interfaces, if you assign them the same cost then you'll be able to round robin load balence between the links. Total cost is something like £700 per site for the router and ADSL cards and somebody who know how to configure that up on a cisco.
Thats my preferred way of increasing bandwidth for sites with only ADSL available and we've used it quite a few times with no problems.
The other option, if the client has the money, is to get a real business ISP involved to look at the connectivity and let you concentrate on the server side. They'll likely come up with something a lot like I've just suggested though, because they'll have somebody like me on their technical team to design solutions.