What are you doing...
to need so much speed? I never do, not even using a WII and online PC gaming and the internet at the same time. I find My PC runs to slow befor my conection dose. Perhaps it is just that I willing to wait a few seconds for stuff to start streeming, or that I dont spend all my time watching videos at the same time as downloading illigal music. I would say that most people dont want more than 8MB, just Geeks and people downloding lots of c**p. Also I never go near my BT "fair usage" Limmit and I am online alot, but using it for life (shoping, email etc) not for Youtube and porn. What exactly are you doing that eats trhough your allocation?
Secondly, it may just be me, but Ive found BT very stable (Never once droped the conection), but as you say, when there is a problem they give you a refund. Try getting that with other companys...