Fiber is never going to take off for in-house use. There are some physics that you are ignoring here. When you look at speed and signal degradation, with Ethernet, you are getting gigabit over 100 meters. This is because at that distance, copper is just fine. It's when you are talking about miles, like on the service provider's end, that fiber is useful. As it is now, even FIOS only needs a CAT cable, an RG-6 cable, and a phone line to fully support all of their top services from the ONT. Even that fiber line comes nowhere close to saturating the copper lines in the house, since the copper lines only have to go a few hundred feet, tops.
The most used cabling tends to be CAT cabling, since you can do so much with it, in addition to Ethernet. Ethernet, however is easily switched and VLAN'ed, so even if you need multiple jacks or networks, they can all share uplink connections into a room. RG-6, OTOH, often has to be separate if you have, say, satellite, and antenna, or satellite and cable, so RG-6 is also very important.
Where does that leave fiber? Nowhere. Not only does it not make sense for a house with it's high termination and installation costs, but it will never be useful in houses, since technology will tend toward what types of cable people actually have, and that is RG- and CAT- cable, currently RG-6QS and CAT-6a/7. It is best to make sure the runs are CAT-6a/7 capable from end to end, and use 3GHZ RG-6 cable, as that way they are backwards compatible with any type of system that would require anything from CAT-3 and up, and RG-59 and up, as well as stuff like HDMI extenders (can require CAT-6 or better) or satellite TV, that, depending on the system can require up to 2400mhz on the RG-6.
If I were in your shoes
I'd take whatever amount I was going to spend on this project and put it in savings. If you've got a 15 yr mortgage then after 15 years you'll have a paid for house and a little extra savings. Or you'll have a paid for house with 15 yr old technology in the walls.
Reminds me of my aunts house that has a cassette tape deck in the wall with speakers in the ceiling. Probably was cool at the time but not anymore.
That's just stupid. It's incredibly dumb not to wire with CAT and RG cable where you are going to need it, as there's no replacement for it later, and it's hard to fish and snake cables through the walls of an already built house. Speaker wire, CAT- and RG- is not going to go out of style like cassettes, as it is used by all different types of technology, and will continue to be well into the future.
I really can't believe how many people just don't know what they are talking about on this forum considering it is supposed to be a tech-saavy forum. Wiring and connectivity is the most important part of technology, as without good connectivity, most of the tech we use today is not nearly as useful, or useful at all.