Yeah I'm on Charter too. They pretty much suck. We have their 5Mbps/512kbps.
I thought the conversion would be 1500000/1024/8 = 183 k/s? Well close either way. Your Charter speed test reflects your connection speed.
But remember, the ~25k/s your upload is rated for is the absolute BEST it can be. With cable connections, the actual speed varies depending on who else is on the same "network" (say your neighborhood is one "network" so the ISP allocates a certain amount of bandwidth to this, calculating that under most conditions, every user can get near their rated speed), which is kinda why a lot of ISPs don't like BT or p2p, because they normally didn't account for the massive bandwidth required if all of their users are using BT. So I would set your upload to 10-15k/s (this is kiloBYTES) max. Again, consider that during peak times, you might only get ~20 k/s upload. I don't recommend using over 75% of this for a BT upload (and even moreso if other people/roommates are on this connection). You can break 100-200 k/s downloads with BT with only a 6 k/s upload, so again 10 or 15 k/s max is probably ok IF you are the only one using the connection. Otherwise I'd go 6-8 k/s.
Cable connections and some DSL connections absolutely choke when you start maxing your upload speed. Thus using BT and getting anywhere near it slows down your whole connection (upload and download). So again, set that upload cap LOW, I really don't think a simple HIGHEST rated upload * .8 is a good idea at all. Also, your maximum number of connections plays a role, depending on your router. If you notice an extremely slow connection while using BT, drop your upload greatly. If you notice this as well as an internet that frequently disconnects (and may require your router to be reset), lower upload AND lower the maximum number of connections made by your BT client. Again since I share with other people, my settings are very low, but I only make ~65 connections max, with ~40 for peers. Even with this and 6 k/s upload, I can get 100-200 k/s on some torrents.
The reason you probably see more than 187 k/s download speeds is the way web browsers calculate download speed. Even when I had Charter's utterly useless 384kbps/128kbps connection, I'd see downloads start or peak at 60 k/s or so, but they always were actually/sustained at around 30-35 k/s max. Well I did manage some sustained high 30s and 40 k/s in BT somehow. So I'm not sure how ISPs throttle their connections, but consider a lot of filters aren't precise on the dot (kinda like how you can get extra channels from cable TV that come in fuzzy, towards the start/end of the frequency spectrum), but generally you probably won't see any sustained downloads above 190 k/s, but if you frequently do and hit over 200 k/s, well keep your mouth shut and enjoy it.
