Like other person said, /64 is the minimum subnet size. And submitting in ipv6 is best done 4 bits at a time. A /60 is overkill for residents, but because it gives 16 subnets, not because it gives excessive addresses.
/64 acts as a soft limit due to the prevalence of SLAAC. Which is good in a way, since it means ISPs have to give out at least /64, which means you're always able to subnet (although you can't use SLAAC and must use static addresses or DHCP) unlike IPv4 where you have to pay for extra addresses.
You can DoS your whole subnet by pretending to be a billion devices. In IPv4 you can do it by occupying all the IP addresses. Therefore putting several customers on one network is a bad idea, just like in IPv4.
The purpose of SLAAC is to make it "easy" for a client to get onto the network without something like a DHCP server tracking addresses. If you set it up, it generally just works.
This doesn't seem like an IPv6-specific issue. For most broadband customers, your external IPv4 address is also generally stable. Mine hasn't changed in years.