The basic scenario wasn't really outlandish. The general idea was featured in a bestselling novel about a decade prior,
and an actual real-life terrorist hijacking (thwarted) that same year. And of course the concept of destroying valuable stuff by crashing airplanes into it on purpose dates back much farther.
Yes, despite all that it was unexpected. However, I have no sympathy for your "what ridiculous fantasy will be true in 10 years time?" argument. It's a complete non sequitur. There was a failure of imagination before in which terrorists were more capable than we thought, therefore we're doing the same thing now? I would argue that currently the exact opposite is happening. 9/11 seems to be the peak of their capabilities. Now, while we're imagining apocalyptic scenarios in which terrorists destroy entire cities, their actual capabilities seem to be limited to badly-constructed IEDs.
The point is that there was precedent for 9/11, even if people didn't realize it. There is no precedent for the sort of vastly worse attack you posit, nor is there any other reason to think that such a thing could be carried out in a way that makes it vastly worse than previous attacks. (The Aum Shinrikyo nerve gas attack does provide precedent for terrorist attacks involving chemical weapons, but it also demonstrates that such attacks aren't really all that severe. Again, they are worse because we react to them more strongly, and we react to them more strongly because they are worse.)
I'm not saying that all reaction would be stupid, only that it should be proportional. A normal human body does react to a bee sting, but it does so appropriately, by eliminating the poison and handling foreign substances. Likewise, a sane reaction to 9/11 involving tracking down those responsible and bringing them to justice would have been wise. What's stupid is not any reaction, but a massive overreaction, and then justifying the overreaction by pointing to the massive damage done, when that damage was mostly done by the overreaction.