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I have a Roku 3 combined with 10Mbps fiber, and I've had no issues at all with streaming, even during the "peak" evening hours. When I was using my Panasonic Blu-Ray player to stream, it was rare that I got HD, but it still almost always worked without a glitch.
I saved 1/3 of my annual Prime membership by using the lending library to borrow one Chess Informant. Your mileage may vary.
If you find yourself frequently adding items to your cart to get free shipping, Prime will likely save you money.
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