Most decent to higher end desktops have at least 2.5 Gbps. Even a laptop/desktop that doesn’t can get a 2.5 Gbps usb-c to ethernet dongle for like $30-$40.
Higher end access points also have 2.5 Gbps. I have no issue maxing out my 1.5 Gbps (ISP over provisions the lines so I get 1.7 gbps) on Steam. Also keep in mind that when you have a faster connection with multiple devices/people, each device/person might be able to pull 1 Gbps. As in if you have 2 Gbps internet service even 2 older computers that only have a gigabit internet connection, each could get the full gigabit to them.
If you’re the type of person that only uses wifi, you won’t see a difference between gigabit and multigigabit connections but plenty of people have ethernet throughout their homes and they make use of faster than gigabit connections.
You’re way overpaying. I pay $40 for 1.5 Gbps with Bell FTTH. Give them a call and say it’s too expensive and see what they can do for you. Or tell them Rogers (if they’re in your area) offered you 1.5gbps for $60 and ask if they can beat that.