Fiber Optic Internet

T think you may have your 100 MB / 5 MB figures backwards.  Downloading (i.e., receiving data) almost always has the higher speed compared to uploading (your PC sending outbound data).  That was done to make people running web site servers pay for a business internet plan instead of the cheaper ones for home users. 

For some ISPs, that's gone by the wayside. My ATT fiber plan gives me 1 GB up and down with no data caps.  My setup is as @yage describes above which converts the optical signal into ethernet which then goes to my ATT router. I've got Qobuz and it all works great with the hi-rez material without any special equipment. 

I was going to optically isolate the signal from my router to my streamer with a set of fiber media converters (FMC), but I’m thinking that this kind of internet service would eliminate the need for the FMC’s?

Just having fiber internet service does not obviate the need for further isolation downstream.  You’ll still need to deal with noise from the router, etc.  We switched from Fios (fiber) to T-Mobile because the former was way too expensive and the latter was offering 1-gig speed for only $50/month and we’ve been very happy and don’t miss Fios one bit.  FWIW. 

OP:

You can’t really get surges over fiber. What can happen though is that they will run fiber to a box OUTSIDE your house, and then transition to Ethernet from outside to inside, and that’s a potential surge source through EM coupling. That coupling is worse the longer the Ethernet cable is. If you have a 5’ run that’s probably OK, but if it’s 20’ or longer it may be worth having an Ethernet isolator.

From what I have read, but now can’t find, the latest thinking on surge protection for Ethernet is to isolate, not ground, surges. The research on Ethernet protection I read is saying that if you ground a surge inside a building (via a MOVs or gas discharge tubes) you actually cause more damage by creating an easy path for high current, and when that lightning flows things melt, including wires and gear on the other end of the "protection." Some research even points to systems that might otherwise survive instead  fail specifically because of Ethernet surge protectors creating a ground path. Because of this, inside a building you want to avoid any Ethernet surge protection which provides a ground path on surge.  Do your grounding outside.

To reduce the chance of lightning induced surges over Ethernet you want one of these instead:

or the significantly more expensive version from Trip Lite:

I have about 60-80' between my router and my entertainment system.  Plenty long to get an induced lightning surge with a little bad luck so I am using the cheap one there.

I should point out that there is also a potential surge path using F-E-F conversion, and that is through the power strip.

Imagine a surge enters your first F-E converter, that then travels to the power strip... :-)

So, nothing is perfect, and this scenario still requires a pretty large strike to bridge the Ethernet AND the power supply to damage elsewhere, but just saying...

Interesting. In my development it is all Fios. Even in ground.