Thanks for all the advise guys. I knew I could count on you all to explain everything to this non-techie.
It seems such a shame that I won't get any benefit from the long awaited increase but at least I know what is happening and will save my pennies for shoes.
One last question with shoes in mind.
If I were to drop down my broadband to 50Mb what Mbps would you think I could actually expect to get on my laptop still using WiFi?
I'm guessing around 35/40Mbps with the wind in my favour.