> I can get the full bandwidth available to me
If you are the only one from the pool of users assigned to your particular resource then you will get the full bandwidth allocated to your user group. between about 2 and 4 am you might, but probably won't, get it.
The key thing is the number of other users in the same pool (contending) the resource you are using.
Which means you get what you pay for. The more you pay the lower the number of users in the same pool as you are. Unless BT cheats, of course.
So, on an 8MBS possible speed line I usually get between 600 bps and 1200 bps. I've never seen it below 600 bps so I guess there are 12-14 other users using the same resource as me; and most of the time we are all using it all of the time. So my service ought to be sold as up to 1200 bps, average 800 bps.
I've probably got the MBS and bps confused, but you likely understand what I'm saying.