Hi jhiker
It sounds like there a fault there somewhere, but its gonna be a pain for you to get it sorted imho.
Basically it sounds like there are 2 (possibly related) issues - first your SNR margin is dropping, i suspect if you had a USB modem you'd be getting booted offline but your netgear is holding sync. Your main cause for concern is the noise bleed (crosstalk) from the adsl band to the voice band, which COULD be before the signal is filtered at your master socket (but it is fairly rare).
What I would suggest is the following.
1. Reduce your setup to BT-Test Socket (hidden behing your faceplate) >> A regular microfilter >> a USB modem if possible and a non-Dect phone.
2. If you still get interference on you line, call you ISP and tell them that on plugging in the equipment they supplied there is interference on your phones. If you explain you have swapped filters, phones and ADSL equipment, then this leaves only a possible line fault. It is likely your ISP will run a one-shot test on the line and then want to raise a fault to BT.
3. At this stage give BT retail a ring (151) and tell them that you have a "PSTN affecting broadband fault" and ask them to check the line for you. If they find a fault, ace, if not ask them to make sure the test results are logged.
4. Back to your ISP, allow them to raise the fault but make SURE they include on the notes that its a PSTN affecting broadband fault.
Unless your ISP books a CSE visit for an engineer to come to your premesis, then you will NOT be charged. If you check that none of your equipment (swapping router, cables, filters etc) is faulty and that your internal wiring or phones (swapping phones and unplugging the NTE faceplate disconnects all your wiring) is not at fault, again, you wont be charged.
Also remember charges are at the CSE's discretion - make him or her a cuppa and be nice (but firm) even if they aren't giving you answers you want to hear.
Rgds
Havelock