Most of your users won't have 100 mbps at home. I have, but outside my country, I mostly average 4-6 MB/s. However, they'll have 10-40 mbps download speeds, or they'll have ISPs with boost schemes (like
Comcast PowerBoost) which give higher speeds to files less than a particular file size, usually less than 5-10 MB.
I own a dedicated server with 100mbps unmetered link, which hosts several websites.... for example one website hosts software updates for an open source project, another website is similar to imgur.com but at way lower scale... so I log the download speeds for these files.
Here's the log for a part of the website with updates for the open source project:
I look at the log in the link above and see that the majority of users download at speeds around 250-400 KB/s, but quite a lot of them manage over 1MB/s.
Sure, there's quite a few with low download speeds but keep in mind the downloads have an .exe extension and quite a few users around the world have ISPs that throttle/traffic shape anything that's not html or pictures or something that's above a specific file size (these downloads average 15-40 MB in size)
Anyway, it's going slightly off topic.
With your 5 MB picture example, a user downloading at full speed would download it in less than 0.2 seconds, leaving plenty of time for the server to upload to others.. if lots of users request files and have high speeds, each connection is slowed down to fit the 100mbps choke point. This is much harder to achieve, compared to a 10mbps link.
The basic idea is that with a 100mbps port, a handful of users won't fill up your server's total bandwidth with their requests - with 100 mbps lots of users can access and retrieve data from your server at the same time, without making it slow for everyone.
100 users accessing the forum will all average 1 mbps, while 100 users on your 10 mbps link will average 0.1 mbps - which one will make the forum feel more responsive, load the pictures faster etc?
Load on your server will also decrease (edit:said increase originally), but just slightly... the load on your server doesn't increase with 10 mbps link because the operating system has caches, the network card has buffers, etc... so the forum scripts process the requests, respond with the data and then this data is partially cached by the network card drivers and OS up to a certain point and sent at the slower pace of 10 mbps... and instead of sending this data in half a second or so as you'd do with 100mbps you're now sending it to the internet in a couple of seconds or more on 10mbps, an interval that's still too small to show up in graphs, which sample every 5 minutes.
The traffic (amount of MB transferred) will be the same at the end of the month but with 10mbps it's all squeezed and slowed down to the 10mbps speed... it just feels slow for users with high download speeds.