I have a family of 4 who will all be streaming, gaming, surfing at once on 25mbps and it's fine. You need about 5mbps per stream at 1080p and 30fps. Streaming in 4K is much more demanding but I think that's still a luxury.
I think the big variable between now and the last time these were set is the great remote working migration of 2020. Zoom doesn't require 1080 quality, but you'll be sending as much up as down, so the 3mbps upload speed would suddenly feel pretty tight.
I used to have 25/5 and from time to time it was tight for me alone (but I never fiddled much with QoS settings).
Under "normal" usage it did work, but then there were from time to time complications (e.g. OS update, Android update/installations, send/receive funny videos, etc...) and then when 1.5 years ago it became from time to time as well difficult to work from home (bigger SW-updates on the company notebook, more communication by antivirus/antispyware/antiwhatever) I gave up and changed to 1gb/1gb fibre => with what started happening last year I've been veeery lucky to get it just a few months before that the whole Covid situation made working from home a permanent situation :)
I think the big variable between now and the last time these were set is the great remote working migration of 2020. Zoom doesn't require 1080 quality, but you'll be sending as much up as down, so the 3mbps upload speed would suddenly feel pretty tight.