Re: 4 down sounds great!
I'm in the countryside. I've had FTTC for most of the last decade and I connect at the full 80/20. The rest of the village was luckier, they got given FTTP.
This most recent announcement from Openreach specifically targets places that do not have and are never likely to receive competition. I'm not in one of those places, probably for a future phase, but having seen the map of the nearby locations they're planning to get the fibre out to the very back of beyond (some of it is already in place)
There is already a broadband universal service obligation for those who cannot get 10Mbit - but that may come with a cost.