I'm on a normal ADSL up to 8Mbps down, 448Kbps up, however because of the distance from the exchange (about 4-5 km), I'm connected atm at 2.4Mbps down, 448Kbps up. However, that often changes from a low at around 2Mbps download, or the maximum its ever connected at at around 3.5Mbps. It usually is about 2.5Mbps though.
As for actual throughput, it varies. 2 reasons.
AOL have an FUP, so I often feel the effects in terms of throttling and traffic shaping.
But also, BT's stupid BRAS profile idea. But simply, each maxDSL line has a BRAS profile. This changes depending on sync speed. However, it lags behind sync speed, and is set slower than sync speed. So If I'm synced at 2.2Mbps, I will only see 1,5Mbps throughput at best. Only if I sync at more than 2.4Mbps will I see a 2Mbps actual speed. To get 2.5Mbps throughput, I have to sync at 2.8Mbps. Retarded I know, but there you go. That's BT for you.
Right now I'm getting this:
not brilliant, but not that bad considering I'm on a 2Mbps profile (despite being synced at 2.4Mbps
As for live. I haven't played many games on live, but those I have (CoD3 and PGR3) I have had no lag at all.