40 is fine. You can stream HD content with that. Unless you’re downloading a lot of big files, speed is highly over rated. It’s more important to be reliable. I’d rather pay $19 for 40 than $70 for 500.

No problem. Be aware that they take their cut of the projected savings up front. At first it might not seem like a good deal, but it is over the long haul. I’ve been using them for about 3 or 4 years now and it adds up. Plus it feels good sticking it to the ISP for their shady practices and constant rate raising. And you don’t have to do any of the work.

Southern California

$54.99 for 500Mbps down and 25Mbps up

That’s with Spectrum being my only option. I use BillShark to renegotiate every year, so I’m not sure what it would be normally