I would say your usage estimate is off. I stopped paying for home cable internet and started using my Droid X hotspot for my internet. Sure it wasn't as fast but I watched many movies via netflix on my pc and Wii did all my normal browsing and streaming of music and videos. Keep in mind I dont have cable or satilite t.v. I have a 37" lcd connected to my pc and do all my veiwing entertainment through that so I use my internet frequently. I did this with the $20 2g Hotspot. Yes I came close to maxing it out a couple times but never went over. Monitoring your my verizon will help you keep your usage in check. Now I've got the T-bolt and my download speeds are far better than I got on my DX but I am currently taking advantage of the free couple months they gave us new T-bolt owners.
I'm curious have you used your hotspot?