1400 is the max MTU for some ISP's, such as AOL. It's the first time I've heard that the Windows MTU must be lower than the router, but the Windows MTU can cause the problems your talking about.
Have a look at this document for performing a MTU Ping test: MTU Ping Test
Also, you don't need any software to alter the MTU in Windows, as long as your comfortable using the registry: How to change the PPPoE MTU size in Windows XP































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