I really believe that for commercial cellular in urban areas, 5G is more of a benefit for the carriers than the consumers. While low band spectrum (850MHz) has decent penetrating power, the majority of 5G is deployed at ~5GHz and mm-Wave frequencies, where you won't get much of any signal through a wall, or even on the other side of the building. This is why so many 5G base stations have to be deployed; the coverage just isn't as good. But the improvements in base station handoffs and spectral efficiency will increase a carrier's total capacity, even if the end user doesn't see a massive benefit.

There are scenarios where you might see massive speeds, though. 5G heavily leverages Carrier Aggregation, where a client can connect to multiple channels at once, increasing bandwidth, and beam-forming, where the "shape" of the signal is modified to steer maximum power to the physical location of a client. If you happen to be near a base station with good Signal to Noise Ratio while downloading something large, the base station can allocate multiple channels and use beamforming to finish your download at Gbps speeds and get you off the network faster, freeing up spectrum time for more users at lower SNR's and bandwidths.

There is potential for much more impactful deployment of 5G cellular in rural areas where there aren't many buildings or walls blocking high frequency signal. The same goes for point-to-point links such as inter-building WAN or low latency self driving car to self driving car communication.