Also, what I overlooked in my post, the various routers that I've had (recently), has firewalls of their own. Prior to moving to Windows 7, all that I was using was a USB wi-fi adapter, and using the public library connection. I've since moved from there.
In a way, I wished I hadn't moved, as the city where I lived now offers free wi-fi in the downtown area where I lived. It's being considered here as well, but even if it does become available, I'd only use it for my notebook. The speed of the service is that of RoadRunner Lite (around 178KB/sec in this area). That would be at least a 80% reduction of speed for me.
That's the issue of having decent speed, once you have it, you don't want to go in reverse. I no longer have DL managers installed on my desktop, as Digerati noted in a previous thread, DL managers are for those who has flaky ISP's, with their lack of speed, most of which can be attributed to having antique routers, and their customers just accepting things "as they are".
Stand up to your ISP, be persistent, and sooner or later, they'll get tired of your complaining and give you decent equipment, which in keeping in line of this thread, will have a firewall of it's own.
Cat