You seriously think 3 mbps is good enough to run ffxi's servers, with upwards of 50k+ connected at once? That'd be 61 BITS per second per user. No, that is not even close to usable.
A single 1 gbps connection wouldn't even be enough.
As far as personal use, i've got 5 mbps up myself, and no, it's really not enough. Even when i'm not seeding torrents, i easily cap that out, and wish i had more. If i had the money, i'd definitely pay the extra $50/month ($100/mo total) it'd cost me to upgrade to 100/15. Which still wouldn't be enough for me.

