Results after the change
I wanted to start a new thread since the subject has basically changed.
I did a lot of 'speed tests', using different speed test sites.
Last night, while still on dsl, my average download speed was around 2.85 mbps.
Today, with FIOS it is now averaging 5.50 to 6.00 mbps.
I don't know a thing about mbps and download speeds but the numbers look a lot better! 8)
I am so grateful to all of you for your help!