This is exactly what happened when I went to LTE. There was a huge increase in reliability in congested areas. That is, until LTE got super congested.You're right, 4G is more than enough for nearly all the things we're currently doing with our phones and maybe even on a personal hotspot. That said, if you live in a dense area you will absolutely benefit from 5G. 5G isn't necessarily about higher speeds but accommodation for thousands of devices. In an absolutely perfect 5G context, you would be able to go to a stadium and not lose your internet connection because 50.000 people are connecting along with you.
I expect that once I get 5G on my iPhone along with carrier support, reliability in congested areas will increase dramatically, not only because of the design of the technology, but also simply because most other people won’t have it.
For me, I don’t really care that much about max speed for my own single connection. I’m concerned about the reliability of the connection to provide relatively decent speeds. I’d take a consistent 30 Mbps connection over a 150 Mbps connection that periodically cuts out.
BTW, when Apple finally was releasing LTE iPhones, these forums were full of posts how LTE was not necessary.
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