I have cable internet, 6 Mbps. My theoretical cap is 768 kb/s but I never seem to get higher than 730 or so. Buh. And no, this is at home. At work we have a measily 3 Mbps (two T1 lines).
Giganews is a bit expensive, but to me it is well worth it. They used to be $15.95 for 8 GB and $22.95 for 12 GB. I switched between the two packages a few times depending on my need. Recently though, they changed their packaging to be cheaper for more downloads.
See, I use my ISP's news server, and get the "fills" from Giganews. That way I keep the consumption down.
I don't think Giganews have a download speed cap though. But I love them dearly and think they are an excellent company.