Solve : should i switch over to vo-ip? 6 worries?

1.	Solve : should i switch over to vo-ip? 6 worries?
Answer» worry1: if my internet is offline, then my phone will be offline too? worry2: i can get a virus that disables my voip? worry3: if the family DOWNLOADS or play games, the CALLS will be bad quality? worry4: can i use voip if i already have an cable internet connection? worry5: the voip provider SEEMS to provide an internet connection included in the price, at 1.5Mbit/sec, which is way lower than the 10Mb/s i already have from another supplier. What is the signification of having 2 internet suppliers? Can it be bad? Can it be good? worry6: can i use a call-card with voip? like a pre-paid 2$ card to do 80min international calls

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