Can't say I agree, thought it may depend on what you're downloading and when. I have seen that Microsoft can pump some serious bits down your line... Windows 10 iso coming down a UK leased line at 100MB/s, which is coming pretty damn close to the 1Gbps line bandwidth. I have likewise seen Apple being able to give incredible bandwidth via Akamai down the same line.
However, QoS can kick in at any point, hosting DC(s), internet provider, shared residential lines, poorly configure/overwhelmed consumer modem/router/access point, or the computer itself overwhelmed by the cryptocurrency miner running in a forgotten tab.