Latency and bandwidth are two different things. The game needs just shy of 1mbps upstream and downstream bandwidth to properly support up to 12 players. Latency can spike at any point along any of the routes between you and any one of the other players, Bungie, or any of the cloud services in play (like AmazonWS or Microsoft Azure). Every hop through a different network device is a potential point of slowdown/error/failure, and your ISP is ultimately responsible for the list of hops you take on the other side of your local network hardware to get to anywhere on the internet. As such, the majority of potential problems can actually be tracked down, escalated, and possibly resolved through your ISP's Tier3 support. Make sure your local network is optimally configured and maintained (they have guides in the help section), then reach out to your ISP's tier3 support to look for any potential routing issues while you are playing and experiencing issues. Their are recurring issues at the peering level with several top tier ISP's. Not uncommon to find congested exchanges causing a lot of our online gaming and/or streaming issues. Such things fall to the relevant ISP's to resolve amongst themselves... completely out of the hands of any of the end users or content developers.