the aggregate capacity of a 180 million dollar (construction plus launch cost) 6000 kg geostationary telecom satellite is less than two strands of fiber and a set of modern 100/200/400GbE coherent DWDM system line terminals.
saying that the throughput of all of the ka-band spot beams on a satellite is 1Tbps is both double-counting math for the capacity in both directions, and does not reflect the actual capability of the satellite. maybe if every single ground station was something large enough and with enough link budget to operate at 16APSK and better modulations. not a realistic figure if you're talking about low-cost, sub $1500 hardware, consumer grade ku and ka band vsats.
for a randomly chosen rural zip code in WA state, hughesnet is offering a 50GB quota/month for $150/month. so yes, 60GB transfer limits and things are still a real thing. and during peak evening hours TDMA contention means that latency will be 1150ms+, or worse.
the unavoidable economics of consumer grade small VSAT require serious oversubscription. Dedicated 1:1 satellite capacity starts from $1500/Mbps and up, and requires a serious VSAT terminal, not a hughesnet/viasat/wildblue type toy.
as to your last paragraph, if you have a proper 4G/LTE network in your area, just use that. There's verizon and at&t resellers with plans available that have quotas close to 200GB/month for a reasonable price now. why you would want a hybrid cheap vsat and 4G LTE setup, as a consumer, I don't know.