No offense but how often is that really going to be an issue? You car should have a radio you should have radios in your house. And emergency radio is like what $10? And yes it's worth it for them to let you go because the cost of activating FM radios on all phones( because they have to pay broadcast performance royalty if they do )is not worth the few people that will leave over this issue
Since I would like to stay with Verizon, a little research shows that the solution to my issue is to purchase an unlocked model of the phones Verizon sells. Not only does the FM radio work, in the unlocked model, the unlocked model is typically a few hundred dollars less than the version sold by Verizon. The down side is that a couple features need to be accessed through the manufacturers apps instead of Verizon apps and calls over WiFi may not be accessible at all. The company I work for won't allow non-company hardware on the network, so this isn't an issue for me.