Yup. To invoke the inevitable car analogy, if your problem is it takes too long to get to 40mph from a standing start at the lights, upgrading from 200mph to 250mph top speed won't necessarily help. Even more so if the problem is sometimes it won't start on a cold morning or there aren't enough seats.

The pro-fibre lobby is convinced that somehow 1Gbps will enable an as yet undetermined application and countries where people have 40Mbps will get left behind. But the application doesn't exist. I had 1Gbps for several years, now I have 40Mbps. It's not just that I don't miss it, I don't even notice. I could easily afford faster, but I could also easily afford a giant cardboard Han Solo, and I didn't buy that either.

Reliability matters, but in practice copper reliability isn't bad enough to be a significant factor compared to consumer gear.

Latency matters, but most of the work needed there is in consumer gear, not in the last mile or elsewhere in ISP networks.