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optimized only helps for web surfing because it causes everything everything to be cached on your system allowing for faster access. read the fine print and it will tell you that it only applies to surfing.
atholon......the standard DSL account that most people will get is 1.5down and 128K up. the standard Cable is 1.5 down (comcast it's 3.0 down) and 256K up. Cable is faster.
I've had my cable for over 1 1/2 yrs and it's gone down twice in that year. Reticle sounds like your cable provider sucked.
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SFR-LiquidFX
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