So you kind of answered reasoning behind it perfectly:
"I get that BPs are going to spend a lot of money to get up and running, and that if their only location goes down due to a major event like natural disaster, it will affect that BP financially. And if they are down for an extended amount of time, it could cripple that company into bankruptcy, which no one in the EOS ecosystem would want. So, I get the logic behind BPs needing to protect their investment."

The fact is once you are out for extended period of time - you loose your BP seat at a table - if you can not keep up - you are voted out.

So recovery needs to be fast. I do think that collaboration and leasing resources between BPs would be a good option too.