All of the major internet providers have a monthly limit - I know CenturyLink is also 1 TB, and I'm pretty sure Spectrum is the same. The monthly limit is tied to your billing cycle - you'll see your usage drop from whatever it is to 0 when your billing date hits.
I have 3 TV's with Roku, 2 computers, 2 phones, and 2 kindles. We stream a lot on Netflix and Amazon and never come close to the limit. 720p will definitely help on the amount of data, but it's more due to way compression works. If you do the math, 720p and 1080i work out to nearly the same amount of data... but compression works far better with 720p, so the actual data moved over the wire is significantly less. 1080p is considerably more... and if you are watching any of the new shows in 4K regularly, then the cap may come into play.
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