Then one Christmas night I believe, we had one go down and at about 2 a.m. the tech said he switched it to a two wire circuit. He idd it because it was a holiday I thought and wanted to just get home.
Maintenance cut-over’s on Special Service Circuits typically are done on nights, weekends and holidays. Since nearly all these types of services are for business, the thinking is the majority of people are at home. Most people aren’t like you and have a T1 to the house.

To me a T-1 was by definition 4 wires. One pair for transmit and one pair for receive. To me this was more of DSL.
A T1 IS a 4-wire circuit. There’s a term we use on this side of the demarc of “effective 4-wire” that used in these cases. Some really smart folks have figured out to make these digital signals full-duplex over the 2-wires.
The backbone of HDSL (Hi-bit-rate Digital Subscriber Line) technology is a 2B1Q (2 binary, 1 quaternary) line coding. It confounds me a bit to even think about it at the bit level, but to put in layman’s terms they figured out a way squash the binary data stream in a very compressed form and then uncompress it at the other end. This greatly reduces the attenuation loss over the copper pairs. Allowing for longer reach over the copper as well as full-duplex over just one-pair.
I do notice a little more overhead on the 2 wire circuit, but I'm not sure that's the provider's issue. I think I'm probably running more VPN tunnels out of that location.
There’s absolutely no difference in bandwidth on a HDSL2 (2-wire) T1…. Conventional T1 (DSX-1,) HDSL (1st generation,) HDSL2 (2-wire,) and HDSL4 (4-wire, current generation) are all 1.544 Mb/s end-to-end all day every day. (Well, unless some poor tech is cutting it over on Christmas.

)
Due to the way these circuits are timed and error checked anything less would cause the circuit to go down hard.
Another advantage of 2-wire HDSL delivery no one very often considers is the less risk of failure. Copper pairs can and do go bad on rare occasions. Talk to splicers and it’s always in the middle of the night in a snow storm

but anyway… One less pair (2 less conductors) on a 2-wire circuit is one less pair with a probability of failure.