Hear hear to all of this.
I think it's worth noting that around 2007 with World War Hulk/Back in Black Paul Jenkins has talked on podcasts about how he realized around then his time with Marvel probably wouldn't last much longer as he was starting to notice a change behind the scenes. He wrote the Civil War Frontline book which apparently sold well above what they expected it to and it was well-regarded critically so he was wanting to do something similar for the World War Hulk Frontline book- since it's about the common folk's perspective he wanted to make it a hurricane Katrina metaphor through the Hulk's destruction. Marvel wouldn't let him and he thought it was weird because it was really the first time they ever flat out told him he couldn't do something. He thinks it was likely because behind other doors the Marvel/Disney talks were going underway and they didn't want to have the Hulk representing something like that.
But anyway that sorta speaks to doing One More Day around the same time where they probably felt safe just getting it over with and having a Spidey again that probably would better reflect what he's gonna be in media across the board. Marvel they spent the early 2000s rebuilding their reputation in comics (and in other media) and they brought in guys like Jenkins to do just that- revitalize the books. Jenkins said Bill Jemas (I believe it was Bill Jemas) said the marketing people's job wasn't to tell the writers what kind of books to make anymore, now it was "the writer's are gonna write what they want and make the best books they can, and you're gonna stand behind what they're doing and market that product." That also meant less events at the time and just letting creators create. Bringing it to bare bones, that line of thinking is what sort of birthed things like the Ultimate line, X-Statix, more Marvel Knights stuff, the MAX line, Morrison on X-Men, bringing indie creators/people that have never worked at Marvel before on for an anthology like Tangled Web, the Igor Kordey drawn Cable run, JMS on Spidey, to Bruce Jones doing his pared down Hulk, to Jenkins doing his introspective Spidey stories being the first sign that the Spidey books could come back from the brink months before USM's launch.
He said it was funny and a bit sad that only when companies are on the brink of bankruptcy do they put all the stock in the creative side and then when they're finally on safer ground they don't really need the creators that way anymore, even despite if by all accounts the old way was working just fine. I personally believe that's why One More Day finally happened around 2007, because the Spidey line had been built back up for that previous 7 years. The sad thing is the way it was done arguably fractured it all over again. I don't dislike the BND era as there are good stories in it but I think like you said, everything after is tainted to a degree because that was so extreme of a step backward.
I don't know if this is controversial but I think the early 2000s NuMarvel era is one of the best eras creatively for a lot of books. I think retrospectively that internal drive to just get themselves out of the hole was a big factor.