I have almost the same experience. I live in a small town in the Midwest, and the only ISP that goes to my house is Comcast/Xfinity. There’s a 1.2TB cap no matter what level you pay for, though they give you the option of paying an extra $30/month for unlimited. I’m really growing to appreciate our local ISP, which provides symmetrical FTTH, unlimited data, a static (or at least rarely changing) IP, and generally non-predatory business practices, all for a lower price than Xfinity. Unfortunately, my house is on the fringe of the town, so they don’t reach all the way here and I’m stuck with Xfinity.
Correct. What you’d need in that case is a reverse proxy like ngrok, which is a bit more difficult to set up.