Even if i only / pretty much just use my smart phone like a dumb phone, then i would vote for smart.
Just as i pay for a severe overhead on the speak / data side of that, and at home have a 1 gbit connection where i could easy get by with 300 mbit, then at least for the cable it just do not make sense to choose a slower speed.
And to some degree it is also the same for the plan for my phone.
If i had the chance i would also have a firearm at home to defend myself, but i would hope i never had to do that.
Power outage / internet outage have been extremely rare in my life, but when i moved here 10 or so years ago, well there was a annual power outage ( you could almost set your clock by ) but that have been missing the past few years.
The cable internet well compared to phone and then fiber in my house, it have been down "often", but it is generally a few minutes we talk about here.
Severe weather ( big storms ) dont do much for my country, sure some trees fall and might block a few roads and some might loose a roof or a wall, and low lying places might see some flooding, and so also some basements / houses getting flooded, but it is generally a few feet of water we talk about, only property damage.
There are some perks of being a small country.