I've done some testing with the special TC-ATM patch builds which attempt to fix the ATM overhead QoS problem on ADSL.
I'll be creating a new thread shortly to explain this. Basically, with ADSL, small packets like VoIP packets get 'lost' because QoS doesn't account for ATM overhead properly. The patch takes care of that.
Without the patch,you have to take 50% of the upload off the table as your maximum - not an ideal solution. The patch fixes this for me.
The experimental patch is available here:
»www.box.com/s/45a876412375574902 ··· 57490213
If you're using Cable or VDSL, regular toastman builds are fine.