I have 350MB and thinking of downgrading to 100MB it's just overkill. Unless you are doing something illegal I don't see the need for such a fad DL speed for home usage anyway.
That's very judgemental.
In my house my wife, my two kids and I are heavy bandwidth users. I and the two kids could easily be downloading huge 70gb+ games at the same time whilst my wife streams a film. She also games occasionally and downloads large files simultaneously.
Nothing illegal about any of it. On 200 down from VM and we like not having to wait on each other to finish hogging the fat pipe.