I've never been a router in my life!

It's often not a matter of speed but of reliability.

Simple fact is, there are very few occasions where you truly need more than 10Mbps or so, which can handle 1080p, or 25 for 4k.

High speeds are great for the infrequent download, but for most day-to-day internet tasks...it's largely unnoticed.

The real killer of wifi is latency, jitter, and loss. And these will present themselves as slowdowns when browsing or low-quality video when streaming...but on a sensitive application (gaming, real-time voice/video, many enterprise/corporate VPNs, especially under heavy use), they can cause serious performance hits.

And there's tons of factors that go into causing these conditions on wireless that are simply not a concern on wired.