My rates are pretty constant, actually. I have a basement apartment and effectively zero bars when indoors and I still get that speed. The only time I see my phone switching to 3G is when I go through the tunnels on the L.
(And yeah, Boost is wholly owned by Sprint, it's Sprint service without roaming, essentially) I was on Virgin Mobile before I went on Verizon and immediately regretted it. Stuck it out for two years and went to Boost because they had the better deal of the two. Better coverage, generally. Had plenty of dead spots in Chicago when I was on Verizon.
I know this isn't the rule for everywhere, but generally speaking... it's not out of the question to expect that speed tiers will be what we're eventually paying for. Makes much more sense than "buckets", that's for sure. (Which is why Verizon would never do it.)
Weird. I was just up there and I had pretty much no coverage on the subways (and I have sprint). I would occasionally end up on the extended network (roaming) but it was useless for data.