Cable or DSL?

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Which one is faster/better?

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Cable

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Every device in the house is wireless other than one PC.

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Irrelevant

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you can see steep drops in cable speed during "peak hours". Is that still pretty common

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Does it happen, yes..If you have decent bandwidth to begin with though, you may never notice it.

My issue is that locally, Cox lowest tier is basically ATT mid-high range

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I've heard that you can see steep drops in cable speed during "peak hours".

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Maybe, but it will still be at least as fast as DSL.

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Is that still pretty common or has DSL's increasing popularity helped curb that?

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Pretty sure it's decreasing in popularity.

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when you pay for speeds "up to " 20 mbs you usually end up around 10 to 12 over wifi.

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That isn't how wifi works...

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Every device in the house is wireless other than one PC.

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All that means is that those devices will have a slower connection than your PC will. If your wireless router is rated faster than your DSL connection then you may not notice any problem though.

But if you are on DSL your gaming experience may be a bit lacking, trying to stream to multiple devices simultaneously from a connection source that isn't that fast to start with.