5G is for the carriers, not you. The increased speed and bandwidth, and reduced latency, is intended to provide enough of a quality and quantity to provide both mobile and fixed service. Carriers have run out of people to sell phones to, so they want to provide home/business access. This means, at least for home access, video.
The reason you may not be seeing those breath-taking speeds is because carriers haven't deployed enough bandwidth. Mostly, even when you get 5G, it's on a very limited spectrum, or even spectrum that is shared with 4G. You may be connecting to 5G, but the download is still 4G. or worse still that limited bandwidth may be shared with 4G through DSS. Until carriers dedicate all/most of their spectrum to 5G, you won't be seeing it. The exception is fixed internet. Vz and T-mob in the states are using that very high frequency bandwidth to provide home access, and are selling quite a bit of it.
5.5 will probably have some features that will be maybe a bit more spectrum efficient, save on battery life, etc, but the average consumer probably won't notice.
In a pure, stand-alone 5G network, 200mhz is not only possible, but everyday. How does this help you? not at all, it helps the carrier stuff more customers on the same bandwidth. More coin in the piggy-bank.