We were having a similar discussion about wifi/broadband speeds over on bleepingcomputer yesterday.

ie. What you actually need vs what the providers marketing department try to persuade you that you need and sell you.

My comment was along the lines that you don't need to buy a sports car if you are only going down to the shops.
If you want to occasionally go on a racetrack at weekends then OK you might want a sports car anyway.
(Or you might just want to boat to your friends about how fast you could go theoretically).
If you want to go drag racing then you'll need something even faster than a sports car.