WRONG! I do NOT have to pay an overage fee until I downloaded MORE than a TERABYTE in 30 days. I work from home and use the computer at least 8 hours a day and don't even come close to that limit. The highest month I've ever had was 320 GIG
They pay an overage fee the second they collectively pass 85 GIG.
TWO totally different prices. One charges HIGH rates for MOBILITY ( 4G Cell service..) the other is much more liberal in terms of cost because a desktop computer has NO mobility.
Your congestion is from the $10/month people from whom you could not be protected. These people have no priority over you in a net neutrality world.
You pay for a high speed, but its only burst speed and not a minimum guaranteed rate because you cant be prioritized over the freeloaders.