Independents more or less just buy transit/blend and deal with it.
Here's an example of a large incumbent's peering policies: https://www.spectrum.com/content/dam/spectrum/residential/en...
The first requirement completely removes the possibility of ever getting a peering session with a small ISP or independent provider. So does the fourth.
Another one: https://www.xfinity.com/peering
> minimum of four mutually agreeable geographically diverse points in the US. Interconnection points must include at least one city on the US east coast, one in the central region, and one on the US west coast
This makes "launch an ISP from garage" bordering on "never" because they do not want regional providers getting settlement free peering - they just want them to buy IP transit from them.
If you look at virtually every major US/CA ISP on peeringdb, they will be Restrictive / Selective or Private peering only, most likely.