Separate modem + router gives better performance and upgrade flexibility. Combo is simpler but limits upgrades. Buy separate.
Factor
Separate Modem
Modem-Router Combo
Performance
⭐⭐⭐⭐⭐ Better
⭐⭐⭐ OK
Upgradability
✅ Upgrade router anytime
❌ Replace both
Cost Upfront
$150-250
✅ $80-150
Separate Modem
Dedicated modem + separate router.
✓ Pros
Better WiFi
Upgrade router independently
Better performance
More features
✗ Cons
More expensive upfront
Two devices
More cables
Modem-Router Combo
All-in-one modem and router combo unit.
✓ Pros
Simpler
One device
Cheaper upfront
Less space
✗ Cons
Worse WiFi
Can't upgrade separately
If one breaks, replace both
The Verdict
Buy separate. When WiFi 7 comes out, just upgrade router. With combo, you have to replace everything. Separate is cheaper long-term and performs better.
Frequently Asked Questions
Can I use ISP modem-router combo?
It works but WiFi is usually worse. Buy your own modem + router to save rental fee ($10-15/month) and get better performance.