But I can download games from Steam at approximately full speed, for example. I subscribe to Ziply Fiber, and they certainly don’t throttle their users or oversubscribe their bandwidth. That said, there are other factors at play as well: can you even maintain 1Gbps to your _hard drive_? Can your computer decompress the downloaded data as fast as it comes in? Steam will slow down the download to match the speed at which it can decompress the data and write it to your disk.
500Mbps is already enough for me to tailscale my house network up and have every single member of my family accessing the house Jellyfin server remotely simultaneously, which is not a realistic amount of load.
100Mbps down is still plenty for most people. 20Mbps up is definitely making some things annoying but most people will still be fine. It's a fine definition of minimum service for "broadband".
so i'm still not at IDE speeds, yet. maybe on my cellphone in the metro i get that speed, though...
(What does fast.com show you? This at least used to be somewhat harder for them to game.)