said by DeViLzzz:
What exactly is it that you need the speed for ?
For most people, the main motivation for 12-20Mbps is 2-3 people streaming from Youtube, Netflix or similar at the same time. Beyond that, details usually become sketchy.
Personally, I schedule all my non-essential downloads during unlimited off-peak hours so I only need ~7Mbps to stream the occasional 1080p video.