Netflix Question

So here is the cost breakdown of our dsl.

Presently we have Century Link at I think 526 kbs for $25/month.
Century Link advertises - (Dec 2010)
$29.95 for 768 kbps
$39.95 for 1.5 mbps
$49.95 for up to 10 mbps

$84.95 for 768 kbps plus tv plus phone with unlimited long distance.

Further Netflix requires -
3.0 mbps for max quality for SD content.
5.0 mbps for max quality for HD content.

So it seems to get Netflix to work right we would need a faster DSL for $25 a month additional along with the additional $10 Netflix cost. Or $425 per year.