I find I get at least two threshold/abs stops from 50mph with my crappy cars on the factory setup. Unfortunately there's no roads around here that could test the brakes on my cars at anywhere near legal speeds. All of them have been fine for autocross too.Going to have to disagree with you there. Your statement is only true in a full-power stop. And only for the first one.
I could cook the stock brakes on a Fit in 10 minutes, with stock tires, at the speed limit, on some twisty NC backroads.
Anyways, how many of your neighbors have upgraded the brakes in their DD? I suspect most just drive half sane and they get around with no brake fade.