Makes me wonder if Starlink is an option for OP. It's more expensive than most ISPs, but probably less than 3x what most people pay.
(I do get that Starlink is also quite expensive if it is not your only serious choice)
I'm a heavy user myself and would be perfectly pleased with a symmetric 100/100 connection, but would even rather make due with 20/20 if that meant no regular outages, so I would agree with you but OP's needs seem specific