The higher (or lower) cost is not indicative of being better than Community Fibre. After all, you can get anyrando(BT, Sky, etc)-FTTC VDSL2 80/20 service for new "low cost" of £30.99 a month (as an example), but compare that to Community Fibre or Hyperoptics 1gb symmetric service at between £25 and £39 and you can no longer compare between the two.
As for between CF and HO, I would say they are both around the same, with CF always being a direct fibre line being brought into your premises, whilst HO typically utilise a fibre to the building (MDU) and then use switches to bring an ethernet or fibre line in to your residence (depending on location) to a network terminal for you to connect to. Then the only real major difference when both are available is just the matter of price and possibly if one service provider has difficulty supplying you with a clean service, then you can cancel your contract (in the first two weeks I believe) and try out with the other provider.
Been with CF for 16 months now nearly and only really had two downtimes, with one having an automated notification that they're working on restoring the service and the other one when things went down hard here but was resolved by them performing an online test on the line that kicked awake something I was connected to and service was restored; but I did need to call in to the tech team for this one. In both instances, the supplied modem had a laser/light LED turn red (indicating lost signal) and happened around midnight and lasted for around 30 minutes (for the one that fixed itself), the other one didn't fix itself until I called in in the morning. Otherwise, not really had issue with CF. If there's an issue, you normally know the moment they're done installing the service and you connect. If there's no issue, it shouldn't change until you leave the service. So spend some time testing things out when you first get the service to make sure everything works as you need it to.