I did some research on this a while back, but I'm not sure how current routers/modems/ISPs handle this these days and I've been digging around google for a few hours without much luck.
It's my understanding that my home wireless router, as well as my home cable modem, as well as my ISP all do bits and pieces of throttling and provisioning to be able to handle connections that may happen in the future. My understanding is that at each level there is usually some kind of throttling/governing, so I'll rarely see my full available throughput even if I'm the only current client connected.
For example, if I have one computer connected to my wireless router at home and download a 100 GB file, and then I connect a second computer and each computer downloads a 100 GB file concurrently, the bandwidth used with 2 computers would be greater than with 1 computer.
Obviously, there are many scenarios where this can be proven true or false - I'm interested in a general home user setup and what happens generally. Does anyone have specific data that proves this right or wrong? Can you point me to specific sources?