Don't pretend that any more than 1% of users would use anywhere near that much bandwidth. Even if you had five devices streaming 4K video all at once, you'd barely saturate a 200 Mb/s connection.

Large file transfers are the exception, not the norm. People don't tend to regularly download or upload several gigabyte files on a daily basis. Maybe 2-3% of people who are either tech enthusiasts or graphics designers/artists/film makers do that but nobody else does, and even then 200-400 Mb/s will still be fine, nowhere near a hair-pullingly slow experience.