alrighty, so cost aside, fiber's your better bet. if you need to do a cost justification it should be pretty easy to justify an additional 2500 / mo. as compared to lost productivity when the T1's drop, especially if you're planning on implementing VoIP. the stability of fiber, again presuming infrastructure like proper backup power is going to be worth more than the couple thousand a month. Say you have 100 employees each making $30 an hour and you have an average of one T1 outage per quarter, during which your T1's are down for 4 hours. That's 100x30 = 3000. $3000x say four hours lost productivity per outage = $12K. Compared to a service cost increate of 2500x3 = 7500. Even if you figure that lost productivity is only say 60% that's $7200 per in lost productivity which is a mere $300 difference. And 60% productivity loss when your phones AND network don't work is pretty generous.
go with the fiber