Consider that you'll seldom if ever get a 3MHz connection on the internet. Now figure out how many connections you may have at a single time. Multiply that by 3 and that's the maximum speed you'll need from a router. (If the internet can't supply the data any faster, your router doesn't have to be faster.)
The only time that doesn't apply is in transfering files from one device on the network to another, and unless you're running a NAS and want to load a large file from it to a wifi-connected device, it wouldn't matter anyway. (The difference in time between transferring a 1MB file on a 30mps wifi network and a 300mps wifi network isn't much, since the whole file transfers in a couple of seconds. Dealing with a 4GB movie, assuming you're copying it, not streaming it, would make a large difference.)
Assuming there's going to be a need for faster speed in your case, N is N - 300mbps (depending on manufacturer and quality of the router, but that's the spec). If you have a lot of 2.4GHz signals floating around (other strong routers, Bluetooth, a microwave oven), a 5GHz signal would have a better chance of not being interfered with, so the actual speed (the thruput) would be higher. Interference can kill a packet or 10, causing it (or them) to have to be resent, slowing things down. Conversely, 2.4GHz penetrates walls better than 5GHz, so if you want full-house coverage, and there will be more than one wall between the router and some devices, a 2.4 GHz signal will give you faster thruput.
802.11ac is a faster spec (500mbps minimum under ideal conditions - as high as 1gbps), but 1) that's under ideal conditions - an interference-free lab with no intervening material (between the router and the device) and no large metal objects "visible" to either (IOW, walls that totally absorb any signal). In reality, ac probably won't give you any more thruput than N. And if you have a few older devices, so you have to allow the router to operate in mixed-mode (N + ac), even an ac connection will run at about N speed (which, itself, in real world situations, is seldom as fast as 150mbps).
When I bought my last router, a few months ago, I skipped the extra price for ac and went with an N router, and I don;t have anything that can transfer a file at even that speed. (Even with my phone sitting on my router, the thruput is less than 300mbps from the drive plugged right into the router).
Some day the internet will have gigabit speeds, but I don't think any router you buy now will last long enough to see it.