One point on "shared networks" and cable vs. DSL. The idea that your cable slows down due to heavy usage is silly. Does the ethernet at your office "slow down" when everyone is there? Of course not, the bandwidth is pretty much fixed. The Internet may appear slower due to traffic congestion or server use, but that is not usually your individual connection. That network in turn is connnected to the IP backbone of the cable company. Your speed is dependant on how big their transit port is to the big, bad, porno-filled Internet, in other words all the users of the cable company.
All the users of DSL in your area all run to the same DSLAM. Basically a multi-plexer for your DSL. So if that particular CO (central office) where the DSLAM is has a 45 meg connection to the actual IP network of Verizon (and by extension the actual Internet), then the congestion model works just as well as the freeway does at rush hour. As soon as Verizon sells a bunch of DSL connections in your area, BOHICA.
G23c