[ Quick Update... ]
Well I fixed my problem(s)...
1- Replace Crappy router
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My SMC Barricade router was throttling 60% the bandwidth....
6Mb/sec going in from the cable modem, 2.4Mb/s coming out .
I was not doing anything fancy ( no NAT'ing, no firewall, no DMZ, ..just plain Jane routing).
There was no setting to tweak, so I had to assume that the router was just simply lousy.
Bought an older Linksys router for $10 and solved that problem.
2- Replace Crappy switch
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Yes, I did have a 10/100 SWITCH , (not a hub as previously mentionned),
but it was a cheap no-name Chinese knock-off, ...and you get what you pay for...
The switch had a maximum throughput of 1.5Mb/s,
even when doing a PC-to-PC file transfer . That's a 98.5% reduction in advertized performance
(...and yes, everything was set to 100 / Full )
Big thanks to TinyRodent (Brett) for providing me with with a "real" 8-port switch.
The improvement was immediately noticeable.
3- Replace Crappy patch cords
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Although my entire house is fully wired with good Cat-5E wiring,
some of the patch cords I was using for my PC connections were "lab left-overs"
in various state of reliability.
So I replaced my home-made Cat-5 hack cables with premium Cat-6 patch cords
and got an extra 20% performance boost.
--
So all told, I went from having a pitiful 0.35Mb/sec to my PC,
right up to 6.0+ Mb/s after I changed everything.
I even hit 9.1Mb/sec this morning, when network traffic was light.
Wow... what a difference.. ! (...almost 30-fold ! )
I'm just mad at myself for waiting 2+ years to make this realization...
So the bottom line is, make sure that your hardware is up to snuff !

Cheers,
Steph