Happens to me from time to time, and I'm hardwired to the modem.
One bad connection spoils the bunch.
Makes me feel like Helen Keller when it happens.
being hardwired doesnt mean its NOT you. Hardwired is your best connection, but all you need is a slow down anywhere between your modem and you provider,or even from your provider to their connections.
it could be as simple as your neighbors suddenly spike the data stream, if 6 of 20 neighbors happen to be streaming a movie etc, it can stutter your connection.
there are so many variable to it, someone with the fastest most direct connection can still be the cause ,and someone with an average connection may never cause it if they dont have much overhead usage in their pathway to the net.