Getting back to the original point of all this, you said that your I.S.P has told you that you can not get 1MB??
I think you may be suprised if you go back and ask them about it. I was told that I could not get 1MB on my phoneline but now I can.
If you head over to adslguide you will alos find that BT has been forced to let other companies use it's phonelines which will boost ADSL hugely in the coming year.
Within just a few weeks of other companies useing BT's lines there is a company out there offering an 8MB line for a mere £39.99 with a 4GB pre DAY cap on it...
This is also only the start as they plan to spread this to other parts of the country and Bulldog who are curently offering a 6MB are going to follow them.
You can bet your ass that many other I.S.P's will follow there lead. When this happens NTL may well find themselves in a spot of bother as people move for these services offering vastly faster connections and a much higher cap.
My advice to you would be to maybe wait a while to see what developes in the new year.
I am currently on the 1.5MB with NTL and will stay with them when they go to 3MB but as soon as they start to enforce a cap on me I will move onto another I.S.P that can offer me what I want. In my mind I would much rather have a 1MB or 2MB and download as much as I want than a 3MB with a low cap on it.