In other words, it's fairly useless to the home user unless you run a network in the house and need to get information moved between computers quicker. Otherwise, it currently doesn't effect download speeds because, as mentioned above, the fastest common high speed providers (Cable/DSL) don't run at even 10Mbit/s.
Much like 64-bit processing, it's just another snake oil item designed to elevate prices (not limited to Apple, but the industry as a whole). Current items like gigabit ethernet and 64-bit processors can't even be fully utilized unless in a professional setting. As an example, my other rig is an AMD64-based machine at 2 GHz, but by the time the 64-bit part actually becomes useful, the 2 GHz part will (or should be) antiquated. The same thing will be true when cost-effective, true gigabit speeds are available to the public. There will be new protocols, new hardware, and a whole new set of pricing.
Never buy more than you need in the computer world, otherwise you're just wasting money. The next best thing comes out every week.