Of course providers will try to sell you the top-tier plan available from their for your area. However, you may not actually need all of that speed. 1Gbps plans are getting to the point in pricing where they're a no-brainer, if they're available in your area. But, in many areas, more speed can quickly mean unwarranted spending.
To avoid this, we'd recommend taking a solid look at your usage. If you live alone, or just tend to run one PC, maybe a smartphone or streaming stick at the same time, 100Mbps is likely more than enough for your. Careful network management can even allow this tier to power pretty heavily connected households, though expect the occasional buffering wheel to appear.
For most multi-person households, 300Mbps+ is a safe bet. It balances the headroom needed for our growing device collections with pricing unusually below 1Gbps options, and wider availability.
1Gbps is what you'll want if you're a power user that frequently downloads massive games, constantly streams multiple 4K movies, or needs the absolute best performance for your in-home server.
If you're still stumped, check out our sister site CNET's guide to choosing the right plan for you.