Re: good starting point
Terminating fiber costs more, as does the the optical interface in the router. That's the reason why Intel backed away from using fiber for Thunderbolt, after all.
What's wrong with putting a fiber cabinet on each block - or at the head of each cul de sac, if they're built like most US developments are? You do short copper runs from there to the houses.
You're going to have to run the copper anyway - some people insist on a hard line telephone and won't want to rely on VOIP or cell, and the local cable company probably isn't equipped to deliver TV over fiber. I suppose if you really want you could run fiber to the home alongside the copper and leave it unterminated for "future use". But it'll never be used in our lifetime, because there is no usage case for > 10 gigabits in the home.