The speeds I'm getting with my cable access is what I dreamt of having many years ago. Now I finally have it and it is wonderful. I am never dissatisfied with the speed of my connection, it is always as fast as I need it. I remember in the mid-90's, dialing up to a UNIX machine, downloading files to it at blazing fast speeds, then downloading those files to my home PC which took a whole night, sometimes several nights. Now my home PC is the UNIX machine with a blazing fast connection.
I would rather not have any access at all than pay $19.95 for dialup, at least with the options I currently have. Remember you have to have a phone line for dialup as well, so that is another $10-20, of course if you have one anyways it doesn't matter, but for 24/7 access you need a dedicated phone line.
The DSL here is $30/month. We pay $40 a month for cable modem, but its $50 if you don't have cable TV (all you need is basic cable). If I lived alone, I would probably subscribe to DSL.
Don't know what other options you have where you live. I'd probably hop on that $19.95 for cable deal. And see what else is out there, maybe DSL. I've gone back to using 56k after using cable modem for a summer (56k was the only option where I lived), it's not that bad of a transition.