With a toll free number, you can (and should). For example, Voip Innovations toll free service has carrier redundancy by default. Also, the resporg can update routing in real time when needed; you can think of this as being able to port your number in one minute. That’s why most large organizations still use toll free numbers, even though the vast majority of callers now have nationwide calling. Of course, you’ll pay per minute for incoming calls, typically $0.01 to $0.025, and you would have to get a new number.
With a geographic DID, you can choose between getting service from a carrier (somewhat more expensive but eliminates a middleman), or from a VoIP provider who buys from the carrier. However, depending on your infrastructure, connecting via the provider can be more robust. For example, the carrier failover options may be limited to sending calls to PBX B when it can’t reach PBX A. This won’t do you much good if you don’t have a PBX B, or if both systems are behind the same failed internet connection. OTOH, the provider likely has options to fail over to POTS or mobile, or to at least take a voicemail with notification by SMS.
Some questions for your provider:
What geographic redundancy do they have?
How do they determine where to send your calls? If possible, avoid schemes that require registration.
If (because of a routing problem on the internet) they can’t reach your PBX from their server A, will they automatically retry from B, even though A is fully functional?
Does their architecture have carrier-facing servers separate from customer-facing ones? That’s important so in case of e.g. a DDoS attack, they can still forward calls to your mobiles, take voicemails, etc.
How do their fraud controls work? You don’t want a situation where your account is drained by a fraudster (even if it’s your fault) and they hold your incoming calls hostage until you pay up.
Who is the underlying carrier? In small and medium size cities, the CLECs such as Bandwidth, Level 3, etc. have only one point of interconnect with the local PSTN, so one fiber cut will take out your service. I estimate that this occurs on average once every ten years and takes two hours to fix. That alone is more than twice the downtime implied by five nines. IMO, a good solution for a very small organization that needs no more than three concurrent incoming calls is to get one line from the local cable company, with call forwarding on busy to a VoIP provider. While the overall cable service may not be very reliable, the head ends of Comcast, Spectrum, etc. do achieve five nines reliability and they will fail over to your POTS or mobile when the cable is down.