The only true option for consistent operation is LRR on a private network to the CS. Some use direct service while others use other subscribers to form a mesh network. Not a DIY affair, but they work extremely well and are just as fast or faster than cellular in applications where a cell is unreliable.
I would look into your understanding of FIOS and how it really works. It's not passive at all. What is true with your install is not true with the technology as a whole.
If you're close to the network node, you may not have any powered hardware between you and the CO. If you have any sort of loss or heavy attenuation on the fiber, there's going to be repeaters or additional hardware installed, as 90% of the installs out there are not going to be direct fiber patches from the CO to your ONT. Guaranteed there's going to be patch panels for a few locations, each generating an insertion loss, so once you start heading to a loss of above 4 dB end to end, there's other hardware that you're probably not aware of, that is regenerating the signal.
While it is true that glass is inert to induced surges, at least around here, the fiber that is installed in the ground is loose tube with a corrugated metal outer jacket for what is called "rat proofing" and only aerial cables are PET insulated, surrounding the PET buffer, but it still has a metal messenger cable or is lashed using metal lashing to messenger cables going down the street, etc. So the fiber is inert, but how it's installed is the key to whether or not it's succeptable to surges, lightning, etc.
The E911 and other issues aren't anti competitive, it's liability based, as 911 vs. E911 and the VOIP providers connecting to an E911 like system are all spelled out by the FCC. E911 is different than picking up a POTS line and dialing 911.
That page and link are not typical of the outside plant around my area of the country, nor the installation practices and hardware, as I stated earlier.
The plant that you experience in your locale or on a 3rd party webpage is not how it is installer around here, combined with the acceptable losses on their backbone. They don't allow anything near the numbers that you referenced as "budgeted".
For example, we have a very large campus site with FTTP and even leased VZ fiber for specific applications in our case and there is hardware installed on the "circuit" of fiber between the Dmarc and CO quite frequently. Straight fiber patches are as common as seeing 70 degree weather here in the winter.