I, sometimes, do get stuck on band 25, and its pretty slow when i do. I also think nyc is not finished with band 41 sites because the speed dropped alot eben if i have good signal and good snr. I remember getting over 60 mbps when i first used my note 4, but now i average 10-16 mbps.
That's still good enough speed for me to use as hotspot but i hope they finish so that we get much better data speeds.
I have cousins and they have At&t. They have good lte coverage indoors but i noticed that their data speed is not much higher, just consistent.
Since cousins have limited data, i turn on my note4 hotspot and they are glad i am around; they never complain about speed also. I cant wait till nyc is finished.