Hi Fazed.
I think I understand your dilemma. You're a dirt bike kinda guy whats got a street bike cycle for a few years now.
You're used to being "out there", wayyyy out there maybe, and you're worried about brake failure modes and then getting back "in here" if one of those ugly failures were to happen. Like, a front brake failure...
You're also used to using the rear brake to get the dirt bike stopped, probably have been riding your whole dirt bike life like that. It's what you know, and how you've been taught.
So, in that context of what I think I know about you, here's what I got for ya.
Instead of trying to improve on the rear brake OEM setup, which most (including me) say is not so good, and feels "wooden".
Instead of that, my opinion is: Learn to effectively use the front brake, and don't worry so much about the possible failure modes. The OEM front brakes are *very* good.
I know you're going to throw coin at the brake modifications. Yup, upgrade what you need to do. You're not gonna get much more than whats there already from either the front or rear setup. Yup, "it is what it is", pretty much. But, the front brakes are already quite good out of the box. The rear brakes, well, you've already noted that physics is what it is.
You'll need to re-learn the brakes when you've made the modifications. Any mod you make *will* require re-learning / training.
Don't worry about the front brakes failing, and limping home on the rear brakes. It just does not occur on this cycle.
Spend the coin on learning those Very Effective front brakes.
It will cost a lot less than changing street cycles.
2012 Blue ZX-14R, Cox rad guard, Skene Design P3 Lighting, Knight Design 1" lowering pegs, Grip Puppies, BrakeAway, Cortech Sport tailbag, GSG MotoTech Frame sliders, Stebel Compact horn.