Is it worth me capping the line rate? I'm slightly concerned about the life of my router due to how much work it's having to do to keep the line stable.
No. It's worth you stopping obsessing over your broadband service unless and until there's a problem, as it's creating a whole bunch of work for your mind keeping your psyche stable.
The router has to calculate the checksums for every single superframe and codeword, hundreds of thousands of each per second, that arrives, and is perfectly good at it. The amount of additional work from your line's condition is minimal.
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