I remember the days when I used a 56k modem. I was an IRC clan warrer at the time, and was constantly fending off stability problems. Hang in there. I've endured far worse from the horrors of 56k modems(and although not retired, I am not currently an active IRC clan warrer).
My current rig includes a Terayon cable router w/16 ips and 11mbps upload/43mbps download, kingston switch, and a secondary router(linksys). I know I should use eggdrops, but my 486's are good enoguh. BTW my bandwidth is dedicated. Not too bad for a residential account imho.