Opinions differ on this. Telekom always strives to keep the competition out during network expansion. With VDSL2 (Vectoring), they have recently succeeded in doing so to some extent. But yes, with cable you are tied down. As of today, I would say it doesn’t matter at all because the products are more than competitive. For the future... broken crystal ball. Even in the past, when people still surfed the web with 768kbit DSL connections, cable providers were already ahead and offered 2 MBit, etc., so actually, at least the big ones have not proven to be backward so far.
Whether you spend 800€ for a later option or eventually 1500€ for upgrading a Telekom connection... that’s up to you, I would save it. But there will be users who would do that; buying options/preparations is quite popular here to avoid making the wrong decision for the future :)