Let's put this into perspective. In order to reach the 10GB cap, you would need to be running your phone's data connection at full 3G speeds for about 10 FULL DAYS.
There's no way a normal user could get anywhere near that, even with tethering and lots of downloads.
Hmm... looks like I got my math screwed up the first time I did this. The real number is actually 27.4 hours. I can't figure out what I did wrong last night. Oh well.
Anyway, that's still a lot of data. I live with two other guys and we all download pretty heavily. We almost never hit 30GB a month combined, and that's on our home wifi connection.
Here's the math:
I'm assuming that your average 3G download speed will be 700 kilobits per second. Depending on your location, you might get a little higher than this, or much lower. I'll also assume your upload speed is 150 kilobits per second, which is extremely high--you'll rarely if ever get a 3G connection with >150 kbps upload, at least not on T-mobile's current system. Combine those, and I'll assume constant data transfer rate of 850 kilobits per second.
10 gigabytes is 83,886,080 kilobits. Divide 83,886,080 by 850 and you'll get ~98,689 (rounded down to the nearest whole number). That's the number of seconds you can run your phone at 850 kilobits per second before you hit the 10 gigabyte cap.
Divide 98,689 by 60, and you get ~1,644 (again, rounded down). That's the number of minutes you can run your phone at full speed before hitting the cap.
Divide 1,644 by 60 again, and you get 27.4 hours before you hit the cap.
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