Have you tried the Linux Backtrack 5? Try to emulate in windows with VMWare and see what happens
I tried this too for the same reasons, but in the end, i dealt with it. I can download anything that i want without concerns about my
ratio(exceptions of course, like a 50GB BluRay in a hard to
seed tracker without
seed points).
I pay the same as you for my 2MB broadband connection. My average speed is 230k down and 50k up, and i find enough to a home user.
Even if you make it, it's only a temporary option. The owner will probabbly find out and put a hell lot of new encryptions. The least you can do is lurk for better
ISP's or talk to your neighbor, see if he "sells" his signal to you. Peaceful and honest.