I'm with Virgin too (10mb) and have been happy with them at four addresses over 10 years (ex NTL).
Get exactly 10mb as paid for, great latency for online gaming and very reliable (4 outages in that time, longest was for 3 hours.)
If I do get download happy at peak times, then they reduce my speed to about a quarter after about one and a half gb, but then switch it back up to max around midnight so all huge downloads get done at night time. It is easily managable, certainly much better than a cap.
Musn't forget that they have just given me a shiny n-type wireless router as well.
