You typically see data transfer with shared, dedicated server or very small colo solutions. They tend to bundle in a few hundred GB with their packages knowing (hoping) that you are not going to use it. With data transfer, it's like a "bucket" of bandwidth. Once you use it, you then pay overages per GB.
95th percentile billing is pretty standard for Enterprise colocation solutions. This measurement gives you the benefit of the doubt for unexpected spikes.
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