We examine how well Massive MIMO (mMIMO) systems with N antenna users operate. The ability to multiplex N streams per user is advantageous, but doing so comes at the expense of a linear rise in channel estimate overhead with N. Using estimated-channels (ecs) and per-user MMSE-SIC detectors, it is possible to obtain equations for uplink (uP) and downlink (dL) spectral efficiency (SE) for any N. According to our analysis, MMSE-SIC displays asymptotic SE that is comparable to linear-MMSE-detectors, suggesting that linear detectors can be used to take advantage of the increase in SE brought on by multi-antenna users. According to simulations, the SE rises as N does. We also observe that providing N times more single-antenna consumers can result in the same improvement. Therefore, when the system has few active users, more user antennas are especially helpful for SE enhancement.