I think you might be trying to conflate a couple of different issues here.
You also haven't really explained your setup very well... you have two locations ?
Exactly what DID happen with the ISP ? You say it wasn't a DNS issue, but assuming you had internet connectivity, and the IP address and DNS correctly configured, I don't see why your mail didn't get delivered ?
You say "I had intended to have both locations using Fiber but am now tempted to keep 1 on Cable for 2 service provider backup."
That really doesn't make any sense at all

If you have two locations, and each one has one connection, then swapping from Cable to Fibre probably makes no difference at all, unless you mean that you would have two different providers so are not reliant on one. However, that then doesn't solve your issue if the main location with your mail server goes down.
A well behaved mail server will attempt to deliver mail, and will hold it if it can't get to the correct destination. Running you own MX backup (there is a SME contrib to configure an SME server as a MX backup server) means that mail will be delivered to a server in your control prior to forwarding on to the final destination in the event of issues.
All well and good there.
However, you then want to be able to access the mail on the backup MX server. Not so easy - remember the MX backup is just holding mail in a pool to forward on - it doesn't actually process anything per se.
To do that you are really talking about high availability which is another thing entirely. The two mail servers have to be able to communicate and sync so if one goes off the other picks up.
Your only simple solution is to run SME on a cloudy box. Quite a few of us run SME as a virtual machine in the cloud (I have my own cloudy server running Proxmox with a number of SME VMs). I decided to migrate to that solution for our work mail when we moved abroad and effectively had two offices.
Another alternative is to make sure the location with your mail server has a second internet connection as backup. If you have one location with two internet connections then you can set one IP as the primary and the second IP as the backup - I use this for my home email. I think to get Thunderbird to then access either of the IPs would need a bit of DNS trickery but is doable.
Anyways, if you can describe your situation a little more then we may be able to give you some more advice.