Re: Points to consider
> It may be possible to achieve 20,30 or 40Mb/s over 5G. But it that for all users covered by that cell at once, or just one lucky punter?
For everyone (*). The whole "massive MIMO" thing effectively means that each user has their own dedicated cell. Funky things go on at the lower protocol layers that steer the beams to each user, and this is only really limited by the antenna complexity installed. This is also why the 3.5GHz radios, operating at the same power, will have approximately the same coverage - they are more tightly focussed. Fixed wireless replacement services will also have the advantage in that the "mobile" being targetted by the beam steering is actually a house, and therefore not normally that mobile, so once you have a lock, you don't need to do much more steering (except when leaves grow on trees to interfere, and what not).
LTE systems (and UMTS, and even GSM), operate in a different manner in that the spectrum is not focussed on a user, but broadcast more widely for everyone to share - hence while an LTE cell can offer 150mbps (for example), the rates experienced will be load dependent.
(*) Up to a limit, YMMV
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