Did testing and found that a family of Six can share 20mbits Down 12mbits Up without any problems.
The test included streaming Netflix, Google Play, Vudu, Real time Social Media, Downloading just about everything.
The Results, No complaints from anyone!
Results from a trained Eye Netflix, Buffer time, 2 seconds slower, 6 seconds grainy start.
Eventually everything worked very well, Netflix streamed in HD, YouTube etc without issues, Initial starts seem to run into slight bits of Inertia that lasted a few seconds, I think during this time QOS started it's work along with device prioritization.
It's amazing how much money people could save if they just did the math.