Maybe I'm just lucky, but until last night I've never had a problem with my DSL at all.
I too am one of the lucky original owners with a fixed ip. It's rather nice. And I haven't had a connection problem in as long as I can remember. That was until last night when it took a crap for a few hours. But that was 1 in the morning, so I went to bed like I should have.
But I'd personally go with whatever is cheaper. You're not gonna see much of a difference either way.

-jason