I
do have kids - 3 of them. They aren't torrenting age yet, but we certainly do more than our fair share of video streaming. Gaming is not bandwidth intensive. Downloading patches is, but that's not really sustained throughput.
A bigger pipe will certainly get used occasionally, but I can't help but think that the vast majority of that pipe will sit completely unused for a large percentage of the time you're paying for it. Torrenting is just about the only circumstance I can think of where you might actually get to fully utilize that pipe, specifically because you aren't bound to a single upstream, but you'd almost have to go looking for files large enough for that throughput to matter. An uncompressed blu-ray is what, 25GB, and that's still less than an hour to download on a 60mbit connection. Given that compression is a thing, it just seems like your chances to actually utilize it will be minimal at best.