Following the conversation, and out of curiosity, I just ran a few tests, something I haven't done in a couple years.
My internet provider in the San Francisco Bay Area is Sonic. They offer 1Gb/sec over fiber.
Today, the rate coming directly out of the ONT (optical network terminal) mounted in the garage (fiber pokes through the garage wall into the ONT) is around 745 Mb/sec. In the past, I've seen it as high as 940 Mb/sec.
I suspect that has to do with time of day, usage in the area, etc. Sonic uses AT&T fiber for backhaul between neighborhoods, which no doubt has ups and downs. If I measured again tomorrow morning I wouldn't be surprised if it's 900+ Mb/sec. This was measured using the Speedtest app on my M1 MBA with an Ethernet to USB-C adapter. I have no idea how accurate, reliable, or meaningful that is. But that's all I have to go with.
Hooked up to a port on my router the rate is 730 Mb/sec. That drives a POE switch that connects to three ceiling mounted APs. The router also connects to another switch which drives a bunch of RJ-45 jacks around the house (not connected to anything now), and another POE switch which handles outdoor cameras.
Connecting (at 5Hz) to the AP in the living room at a distance of around 7 feet, the rate is 567 Mb/sec. I've seen that as high as 700+ Mb/sec in the past (no doubt the rates out of the ONT and router were correspondingly higher). These numbers vary, so I just mentally averaged a half dozen of them.
Where I previously lived for around 20 years I suffered with AT&T DSL where rates were around 1.5 to 2 Mb/sec! So... for me, with only two people living in the house, I'm living large with anything above, oh, I don't know, 50 Mb/sec.