Thank all of you for your comments and patience.
I hit 5gb Sunday at work, which normally is in a bad tower coverage area. Right before I reached 5gb I ran a speed test,which read 57.7MB up and 10.9 down, 91ms. Which is faster than normal.
Then watched a YouTube video which put me over the 5gb, then ran another speed test, which read 4.4MB up and 17.2MB down, 87ms. Which is faster than I was used to. But I figured I was throttled.
About a minute later, I ran another speed test which read 53.9MB up, 14.3MB down, 94ms.
Monday I ran some more speed tests which read in the 24MB to 65MB range down, 1.8MB to 11.2MB range up. I'm not sure what has changed, but I'm glad to see the faster speeds. Maybe an upgrade took place.
So, I have to agree I am not being hard throttled.
Thanks again for your advice.