Given that they have multi-minute outages multiple times per day and they're still not switching to one of the 100mbps options, I think it's a safe assumption that they really do need that speed more than the reliability

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