You are bearing out what I have been saying for some long time.
I used to use both TBB test [ not the flash one] and Speedtest.net and found huge differences between them - TBB was always almost half the speed of Speedtest.net
Recently I upped to 60 Meg - first week both speed tests showed anything between 55 and 60 , then TBB dropped to about 20 or less

while speediest.net continued to show me at 50 +
This last week TBB is again showing me at 50+ [ so is Speedtest.net ]
Don't understand it - but that's my experience.
Cable is into the house but thereafter I'm connected wirelessly
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If a thing ain't broke --- DON'T FIX IT
Experienced in making a mess of things

MacBook Pro on OSX 10.7.4 ,Belkin N Wireless Router , [ sssh - and a PC wired lappy using XP Pro ] all on
Virginmedia 60meg