Think about what happens if you're on a site that loads hundreds of images and has keep-alive explicitly turned off. Or if you're doing a TLS handshake across a high latency network (TLS, for all it's benefits, requires at least one back-and-forth to setup the secure transport before sending "content.") Or you have a weird / inefficient dynamic loading process. Each of these will cause perceived latency, but have different solutions.
I tend to agree with the OP, it certainly seems like sites I use on a regular basis are laggy, but we may need a more objective evaluation framework than "ugh. the web is slow." And who knows, maybe most of the problem could be solved by getting the OP a better ISP and a faster machine.