The v4 may just be gone. But there's quite a lot of wireless around here. When I look to connect, I'm given 14 other options. I do get the full speed of my 12mb when downloading, but I want something that strengthens the connection, so it's quicker when loading pages.
Before you spend any money, it's well worth optimising what you have. You then have a baseline to work from.
Fire up a Google search and enter 'inssider free'. Download and install it and check where your device, and the WLAN channel it's using sits in relation to the other WLAN's around you. If you can, change your wireless channel to be as far away from the others as possible. It used to be the case that channel 6 was the most popular. I'm seeing channel 11 as the most popular these days with seemingly all the ISP supplied wireless routers using that channel.
As you've said you can achieve full line speeds with download throughput, your line is probably in a good state and it could be that the Netgear you're using is just giving up. It's certainly not unheard of.
Does your current router report 'remote vendor id' in the line stats? That could be useful for eeking out as much throughput and stability from your line as possible, through chipset matching. If you can provide those details, we can recommend a router with matching modem chipset.
I think it's fair to say that it's often the case that the router we choose is over specced for what we'd use it for. In my experience, the complexity of using these devices doesn't change, it's just the price tag that's higher. This can be mitigated by buying used though. Essentially, you're buying a device as it's been proven to work well in a number of scenarios. So although it may cost a little more and offer more than you need, it's a safe buy that could keep you in good stead for the future.
ISP: Coms.... Soon to be Xilo
Service: Coms Complete DSL100
Router: Billion BiPac 7800N
Attenuation:38.5dB - 40dB
SNRM: 3.4dB (manually set)
Current sync: 9786kbps