kiwirock:
No wastage in this house anymore. Just downgraded to the SD plan before I get the price hike email, and thought might as well drop fibre to 50 Mbps while I'm at it. We've had 300 Mbps fibre for about a year and a half too, and the cable to the O.N.T only does 100 Mbps. Never had the need to replace it.
300Mbit is the base access level, and I think it's about to get nudged to 500Mbit. Many people won't come close to saturating it.
ISP subscription-on-top may have some variability.