If you’re getting 650 Mbps, all of your hardware is definitely capable of running 1 Gbps, as the test with desktops is showing (you can hardly get more than 950Mbps from 1GBps hardware in reality). If it weren’t, it’d probably run at 100 Mbps.

Read the fine print of the ISP plan to see how the bandwidth is allocated. It may be something like “1000 Mbps total, 700 down/300 up”. In that case, you’re getting what was advertised: about 700 Mbps downlink, and the rest will be uplink. My ISP advertises 1000/50, and they’re true to both, so I get blisteringly fast downlink, but abysmal uplink. A friend of mine has 500/500, which is IMO much better, but that ISP doesn’t have coverage in my building.

This is the way.

Microsoft has a Windows 11 problem. Staying on Windows 10 is a symptom.