Anything autopay is on a CC for me so it’s relatively simple. If it’s a legit bad charge, I just dispute it with my card issuer and let them handle it.

Based on what you’ve stated, it absolutely sounds like an AT&T problem.

If the problem continues, simply disconnect your router and connect a PC directly to the AT&T modem. If the problem continues, AT&T won’t be able to blame the problem on your equipment since it’s disconnected.

FWIW, my experience with AT&T fiber support has been abysmal. I had a similar issue and the tech they sent out straight up lied when he filled out his work order, saying the issue was my router even though he used his AT&T laptop connected directly to the modem and experienced the same problem. They tried to charge me $100 for a site visit because the problem was on my side. Took nearly 3 months of fighting with them to get that fixed.

It entirely depends on whether Xfinity has backup power for all of the devices upstream from you, how well those devices are maintained, and how much fuel they have.

In my experience, cell towers are generally pretty reliable and seem to have first priority. In an extended power outage the generators powering individual neighborhoods seem to run out of fuel after a few hours.