I rented a car once in iceland and the insurance excluded damage done by water. Seems intentional for this scenario.

Using Linux in my company doing Software Engineering. Everything is fine, except the lack of some specialized tools like properitary compilers.

Not exactly you question, as it is a small installation there is not much support. The biggest issue by far is the acceptance from business partners, which stick to their office365 and won‘t accept anything Otter.

Not sure, what you mean by ‚phone line‘, but I like Mikrotik RB950 as pure Ethernet based router which works well with OpenWRT and has 1Gps Ports.