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I have it simply because the throughput, whatever you start with, degrades as you move it around the house and use WiFi. So I wanted to start with a ridiculous level so that even in dark corners it was fast and reliable. And so it is - I get about 200Mbts in my office and 25 in the bedroom. The result is DW and I can both be on multiple gadgets with no interruption, streaming is smooth and I have to do very little it support!
You are not getting what you are paying for, as ERD50 has pointed out, the problem with your setup is inside your house.
You could have a 300Mbts service and get faster speeds all over the house than you currently get. If you upgraded your cables/switchs and router(s) to handle the fast speed they are being flooded with, and the placement of the wireless router, (or use mesh network or wifi-extenders).