Short and simple: -The 40GB limit is incorrect on the 20mb service, I'm not going to say any further than that. -Like every other ISP out there, you download extreme amounts consistently, you'll get a warning + cut off. -Most routers over a year or two old can't handle the 50/50 speeds well at all. Funnily enough the junky/neutered WRT54G V5 and up work fine though.