Does your LAN go down (in whole or in part) when this happens?
You shouldn't get wound up about your ISP if your LAN is broken.
If the switch is going south, Netgear will repair or replace at their discretion. If an unmanaged switch takes out your LAN, it has almost certainly failed (I've seen switches wadded up by someone jumpering ports together on the same switch). Managed switches can be configured to kill your LAN but I'm guessing those aren't in play.
I've not had good luck with Netgear switches. The power supplies have been an ongoing problem (I've had both internal and external power supplies fail).
I get the "all your eggs in one basket" thing, but you can get a serviceable 24 port switch for not too much money. Actually, you may be able to get two for the price of one comparable Netgear 16 port switch.
Amazon product ASIN B0779R9LJ3