It's not about whether you need 1 Gbit/s, but rather whether you technically have a chance to actually receive the majority of the bandwidth you booked and paid for. Apart from that, it is usually the case that with an increasing upstream, the downstream also increases, which can sometimes be "necessary" or at least desired, so that you are forced to choose the faster plan because of that.
Anyway, if I pay for 1 Gbit/s and only get just under 40 Mbit/s during peak hours, then that is quite a severe oversubscription, and that's what I wanted to point out. Even if I only occasionally use the 1 Gbit/s, which is more likely nowadays with increased home office, I am paying precisely for the availability when I need it. However, it remains true that fiber optics overall operate more stably and reliably than, for example, internet over (former) cable TV lines.