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I’m sure someone will come along and disagree with me but below is my personal experience.
I also have 100mbps and I did the same in that I bought my own netgear gigabit router and surfboard modem. These devices work far better than any rented hardware from the cable company. My hard wired devices operate consistently at about 85 mbps download and 10 mbps upload. My wireless devices operate at about 40-50 mbps download and 5-8 mbps upload. I assumed this is because of limitations of the wireless hardware (be that the phone/tablets or the router itself). Talking to the cable company they indicate that this is normal and the 85 mbps on the wired devices is within their specifications of a normal system.
With that said, since going with the 100 Mbps package, things have been far more stable for me. I put a lot of pressure on the system because of the security cameras /security devices and etc. that attach to the router and or internet (I think I have 20+ devices attached at any given time). I do not know if the enhanced stability is a direct result of faster speeds or just plain better router and modem.
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