Just my opinion also, but a lot of people are buying too much speed.
If you have one desktop computer, you probably don't need a 100MBPS package, or 300MBPS, or GIGABIT.
You just will not use that speed.
I'm trying to figure the sweet spot for me, I just reduced my speed with time warner from 100/10 to 50/5, and did not notice ANY loss of speed based on what we do.
If you have 4-5 kids, and everybody wants to watch HD content over streaming at once, then that is something to consider, but we have two people at home doing web browsing for the most part, and a bunch of devices connected but not doing much.
I think the sweet spot for me would be 10/10, but Time warner does not offer that package.
So I called, and lowered my bill 15 dollars per month by going with the 50/5 package, I think it is $43 per month now.
I own my modem, so there are no rental fees on there.