As an addition to this - I bought a Draytek v120. This will sync even higher upstream (204000 vs high 19's for the 2820), but the downstream is a meg lower - it only syncs at 12.2M...
Some of the speedtests I've been doing:
Billion 8800NL - 14M down, 1.5M up. Speedtest = 12Md, 1.3Mup
Draytek 2820 'Annex-A' modem code - 13.3 down, 1.96 up. Speedtest = 11.17d, 1.63up
Draytek 2820 'Annex-M' modem code - 13.4 down, 1.99 up. Speedtest = 11.3d, 1.66up
Draytek 2820 '252901' modem code - 13.4 down 1.99 up. Speedtest = 11.36d, 1.66up
Draytek 120 - 12.2 down, 2.00 up. Speedtest = 10.49 down, 1.7 up.
So the 2820 with the latest modem code is every so slightly faster, and doesn't seem to suffer from the PPP hang that the Annex-M code does... I still get high CRC rates on the line though, but the connection seems stable...