I can't speak to the actual speed, but what is it that you are doing that needs that much bandwidth?
I understand you want to get what you pay for but the difference between a 25mbit and 1gb(1000mbit) connection is not particularly noticeable unless you are slinging huge files around.
Latency is definitely noticeable. That can be addressed by buying a quality router. In fact your speed issues are more likely than not the result of a low grade router. Cheap routers often need reboots. A gigabyte rated cable modem and a low latency router will typically beat the advertised speed of the teir of service you're at.
One of the hats I wear professionally involves dealing with these issues on a commercial basis for a global company. On a personal level our villa has xfinity 100mbit and I typically get 128mbit download speeds. The difference is I have quality networking gear. If you look at xfinity's page, the have a list of approved gear for the cable connection. If you are using their stuff, its often low end.
As far as routers go, an ASUS gaming router AC1900 or better will easily handle the speeds you need without batting an eye.
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