Current price for the ICX 6450-48 on newegg.com is just under $1,800. (Amazon sells for just under $3,000) The cheapest ConnectX3 card I could find was a refurb for $150. You got the number one cost item in your system for 1/18th current street price and the second highest item for 1/6th street...
Although the Exos drive has the highest list price, street price of Exos products can run less than Iron Wolf products. I rarely see Exos drives cost as much as Iron Wolf Pro drives. Bottom line: always check the Exos drives when shopping for NAS drives.
You might also check your router settings to see if you're optimized for latency or throughput. Don't most university students want throughput (streaming, downloading, P2P) more than latency? Of course, I don't know what particular settings on your model affect latency, but this site has plenty...
None of your listed applications are that bandwidth intense. I suspect latency is more important, but most of the "lag" will be in devices that are not designed for fast responses (a thermostat, for example, does not trigger rapid heating or cooling).
Do you plan to access the internet through...
AT&T recently updates their TOS to specify they reserve the right to track and record every web site visited by anyone on the network. Not that I distrust a multinational corporation that answers only to a distant board of directors. Forget it! I trust them as far as I can throw one of their...