But also, yes, I remember 3D accelerators - and how expensive and coveted they were. Few 3D games before 2000 shipped without software 3D rendering support for this reason; I remember Quake 3 (1999) being the first big title like that, and it was one of the big reasons why Unreal Tournament was more popular in my circles back then - you could play it in software mode at 320x240 on fairly meager hardware.
ADSL was launched in 1999 in the UK, so you also weren't here.
Disclaimer: I helped start one of the US' biggest ISP's in this era, and personally installed and handed over multiple DSL configurations to folks living in 'poor' neighbourhoods which were, incidentally, close enough to the NOC to be viable DSL customers.. Plenty of 'poor folks' in downtown LA were able to get DSL, purely by the nature of their vicinity to One Wilshire ..
(I remember wanting to dumpster dive the CO because we got a letter from Southwestern Bell saying they were upgrading the equipment to 5ESS in late fall 1998)