In my area Xfinity cable has decent upload now, though it still trails fiber. Doing a speed test just now I get 2 gigabit down and 300 megabit up and I pay $85/month with a five year price lock. This is a relatively recent phenomenon so worth checking out if you can get a similar package. Prior to this I was getting 25-32 megabit.

I’ve never made my friends or family pay, but prior to getting decent upload bandwidth I did cap remote streams / concurrent transcodes and let people duke it out fist come first serve. Mostly it was fine. I’ve given maybe 15 people access, but only a few are regularly active.

I also keep a small offsite server at a family members house that splits some of my user base and serves as an offsite backup.