I am fortunate enough to know how to set up VMs and use Linux, so I run my own IRC server with a web interface (TheLounge). I can set the upload limit to what I want and settled for 100MB. This way my friends and I are not at the mercy of some proprietary software.

I do pay for a dedicated server that I also use to host my games’ servers and also a mumble server, but it’s so worth it, just to have control over our stuff.