Yea I understand that John.I'm not talking about multiple server d/loads.Examples are things from MS or games from PS etc.I must be ocd on my internet speedI watch it like a hawk.
I'm not either...
I do see my full published bandwidth from the bigger sites with occasional burst rates above that. But there's also a lot of other stuff in my house that's "stealing" my bandwidth

Double check your DNS settings as that can cause some weirdness from time to time.