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A T1 is way more than $100 a month, they have come down cause I remember when they were 2000 a month, but there was a recent thread where someone had similar question as you and he said he has priced them around 600 a month now.
The reason they are more pricey is cause it is a true full duplex dedicated circut that runs 1.54Mb both directions simultaneously, and you do not share that bandwith with anyone and your paying for the reliability and service and support you get from the telco with a full T1. They really only make good sense for businesses that require those features for speed, reliability and security...Many customers split their T1's also and may break out a few channels for data and use the rest for voice and they are well proven to be reliable and stable....
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