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The only way you'd have to upgrade your internet is the amount of people you have.
When we cut cable I had 4 teenagers, I had to upgrade my speed because 6 people pulling shit at once is impossible if you have a low speed especially when several of those people are streaming/gaming/downloading.
As far as internet limit goes, I have to pay to be uncapped because I am always over the limit but I'll ask this. Do you download a lot of things? If you have like PS plus and Xbox live and download games or just buy games digital in general that will kill your usage numbers. And if you stream in 4k that'll jump you up too.
Oldest son went to college and our daughter moved out and that made my average monthly usage go down but I'm still over the cap. I use to average about 3500 gigs a month now it's at about 2200, limit is 1024.
It's going to depend a lot on people and what you do. I work from home as well, and kids use a ton of net. If you don't have kids and no one is home all day you're usage will be way less.
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