So your provider has a lot to do with it. I have a bandwidth meter installed and with one call I got the following results for both upload and download.
For my first provider, sipnumber.com:
Low quality: max of 5 to 6 kbps
default: max of 10 to 12 kbps
High quality: max of 10 to 13 kbps.
My other provider, gizmo project:
Low quality: max of 10-13 kbps
default: max of 10-13 kbps
High Quality: max of 10-13
Multiple calls were just multiples of these values!
Could this be right? It is way below what you said. Could it be a codec they are using? The codecs I listed above were for a provider other than these two. Maybe these two only provide GSM. However, I do notice a quality change on different settings on the sipnumber, but not really the gizmo. This would be fitting to the bandwidths used on each.
Thanks,
Jason