I see. Whatever works for you, if VM service was without issues I wouldn't have switched either. For the record I was predicted for 53/14 or so and am getting 87/27, while Seph I believe was bang on his prediction, and others have been in between these extremes; an estimate of 55 doesn't mean you'll actually get only 55.
I actually met some people recently who thought getting 60mb on a 100mb service at peak times was "pretty good". Consumer expectations these days...