Yeah 3mbit/household doesn’t really sound great here unless your other options are even more limited. I don’t know what typical over subscription rates look like, but 20% of the homes watching Netflix at once saturating the entire town’s link sounds… high.
I’m in the boonies and the DSL connection I had as a redundancy for a time was 7mbit down, and that’s by far the slowest of the options available to me.