I've only used WinSCP since the speed upgrade, but previously (until it became incompatible with Firefox), I was using FireFTP, and I believe I was getting similar low speeds.
Doing a speedtest (speedtest.net), I was hitting the proper speeds for my internet package every time.
I'm wondering if there's not some setting in either WinSCP or Windows7 that might be hindering it.
I can't really speak for downloads in things like YouTube, as it's hard to tell how fast it actually is, relative to how fast it should be, without a speed reading.