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Verizon Network highly oversold, i.e. slow 4G and 5G

After 1 year on Verizon I am really disappointed. While general coverage is good, the data speeds are not. It looks like Verizon network is highly oversold, too many people. With my 55+ plan they limit your data practically down to 0. Especially during tourist season here in Florida:

Zip Code 34217 Bradenton Beach, tower in sight, data almost 0
Zip Code 34205 Bradenton Downtown, Old Main street, only 2 bars, data so so

I am very very disappointed and would immediately switch back to TMO. Less coverage, but much much better speeds. And once 5G hits my S20 Ultra display with Verizon - data is getting even slower.