Assume you stored 1 TB (1024 GB) and need to retrieve all of it.
Free allowance per day = (1024 * 0.05)/30 = 1.70 GB/day
Free hourly transfer allowance = 1.70/24 = 0.07 GB/hour
Billable hourly transfer rate = 3.51 - 0.07 = 3.44 GB/hour
Retrieval fee = 3.44 * 720 * 0.01 = $24.76
Based on info here: https://aws.amazon.com/glacier/faqs/#How_much_data_can_I_ret...
Bumping up the speed by a factor of 10 will bump up the retrieval fee by the same factor, so $250 + $120 = $370 total restore cost in a little over a day's time.
Hm. I wonder if you can bill the insurance company for this in case of fire etc.
Alternatively, it would be nice if Amazon allowed several accounts to pool together their retrieval allowance - it's not likely that all of my friends will have their house burn down at the same time.
If you go over that it's more expensive but they prorate it based on how much free data you get and how fast you were going while you downloaded it.