Here is my take: 10BASE-T is Cat3 and uses only two pair. 100BASE-T is Cat5 and requires all four pair. 100BASE-TX is Cat5 and uses only two pair but I'm not familiar with it.
I believe the reason many have success splitting the data cable is because many users are actually served very well by 10BASE-T. Actually, think of a 10/100 switch with many users. The backbone may be 100Mbps but if they all demand bandwidth at the same time, they are only going to get something close to 10Mbps and probably not even notice the difference.
Now think about your bandwidth to the internet. most of us don't have anything near 10Mbs! I have 6mbs max with cable and my son and I can both stream Netflix at the same time and we seldom have a problem. Now, if I could just get my neighbors onto a different node!
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