without a FCT the speed is @ 3.75 kbs...with a FCT it should be @375 kbs
With a FCT you could easily download well over 50Gb of assets in a week or two time.
From the time you pay for a FCT...till the time it is activated, may be several days, to a week, and sometimes more, if a holiday or weekend is involved in the transaction. It is not instantanious.