I’m not an expert but I think you should be fine on the lower one. My understanding is that most plans wildly overemphasize what you need for an activity. Like they’ll say the most expensive one is for gaming but in reality the cheap one would work completely fine for a single person.
I used to have 55mbps and I never had any issues. You won’t be downloading huge games in minutes but just plan ahead and you’ll be fine.
And shoutout to the few games that make floating island and make a whole ass scene down below you can’t even get to just to be pretty and awe inspiring.