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I'm in an area where there is a competitor, but my girlfriend has so much other troubles with their service that I'm loath to switch.

Are you speaking of Ziply? If so, that's who I, and half the folks at my company use. It's been as solid as Frontier's FiOS service was, which we wouldn't have switched from, had Ziply not bought them out). We did have a few hiccups upgrading our service from 5/15 to 100/100, and one time some tech accidentally unplugged our fiber at the substation (or whatever it's called), but that's been it. Oh, and our ONT died once -- but you can't really blame that on them. Best yet, there's no data cap, no throttling or any of the other shenanigans. The kids never missed a day of zoom school.