Still, if you're definitely only using say 40GB max a capped account would perform better, if you can get it at a decent price. But knowing that you can download as much as you want is handy too, you'll probably end up downloading more if you can.
Yeah, will likely go for an unshaped capped 100 gig account. Same price... guaranteed speed... more than enough extra if I want to use more than normal. I don't really download much, apart from the odd piece of MSDN software or streamed video.