How often are you actually hitting cap on torrents? I don't understand the process well enough to know if I'm being capped by my VPN or some other issue; but sometimes I'll hit something nice and get like 15MiB/s.
My neighborhood just got fiber earlier this year, so I went from whatever terrible Spectrum plan at like 100/10 to I think 500/500 for cheaper. I'm just happy to be here.