Same, if a wireless device needs more than 54Mbps (802.11g, what the ancient Linksys WRT54G already offered) then I feel I'm doing something wrong and I'd better off just plugging it to my USB-C dock to get ethernet and power.
It's enough to stream 4k video (though barely, and I'd be better off moving to a TV), has better wall penetration and is fast enough for browsing and updating software.
I don't have to deal with congestion though. I think I've only seen a neighbour's AP once and I doubt they started hiding their SSID. My guess is that congestion is an issue because transmission power isn't low enough and there's little you can do to fix someone else's AP other than be increasingly louder than them.