While these caps are fairly big it does depend on your situation. I'm in a 6 person student house so a 10GB limit is less than 2GB each and we get less than 1gb each between 4 and 9. Bit of a joke really.
And all of you need to use all of the quota during the STM times? none of you can schedule your stuff outside STM times? The times and amounts are clearly listed so if it is important to avoid getting hit by the 50% reduction then try and schedule your downloads accordingly.

