Credit vs Subscription

I bought credit. I am enjoying it. It works. Thank you for the service. FastConnect in FFXIV is great.

  1. However, the subscription could possibly be better for me, if you subscribe for a certain speed, can you change at any time and it only costs the difference? Or new cost?

  2. Lastly, 1mbps is equal to 1,000,000 bits in “Realtime RTT” right? That is 125kb/s??? That is enough for most game or need 2/4/8 ?