The Mysterious Case of the Disappearing Internet

On TMO plans those categorized as Heavy Data Users are prioritized last on the network after exceeding the relevant threshold for the current billing cycle.

T-Mobile Home Internet customers receive the same network prioritization as Heavy Data Users without the threshold and are therefore always prioritized last, I believe. I'd suggest the symptoms you're experiencing are due to patterns of daily congestion and high utilization in your area. TMO home is at the bottom of the heap during congestion and heavy usage periods.

As more and more users come on board, thin gs just get worse for everyone without capacity being upgraded.

I'm sure that many in the Villages have the Magenta Max 55+ plan - it's at the top of the priority chain. Find someone with that plan and compare speeds on their mobile hotspot and turn on HD streaming to see how streaming works.

In my area, even Magenta Max 55+ has steadily degraded as more users come on board. It's still decent if I go out the highway and pick up better upgraded towers but that's not practical for home use unless living in an RV.

It’s all covered and buried in the word salad at:

https://www.t-mobile.com/responsibility/consumer-info/policies/internet-service

The new TMO Home Internet Lite plans are better in this regard but it’s not really unlimited and once you blow through the data threshold you’re severely slowed down for the remainder of the billing cycle.

IMHO, the Magenta Max 55+ Single Line plan at HDMI output - usually higher end phones like Galaxy S22 since you can stream direct to the TV (I use Samsung’s DEX) without hitting the plan’s 40 GB hotspot limit