I'm paying for 25/25. I've run speed tests and at best I'm getting 10Mbps download and 5Mbps upload. I've changed channels rebooted router, verizon rebooted their equipment to no avail. Intermittently I've experienced timeouts on my wireless devices and very slow internet activity. I have 3 iphones, wireless printer and a pc and xbox hardwired. My son always complaining about lagging on the xbox. I have the Actiontec MI424WR router version F.
I've had Fios for several years and have never seen speeds faster than 10MB download 2MB upload. It doesn't matter what computer I'm using or what test I'm running. It is consistent though and has been pretty reliable. Fios Internet speeds are theoretical maximums. I honestly believe that cable is better if you need a faster Internet connection.