Kmagrill-
I understand the point of the 90V breaking down the insulation over time. I have not seen that problem, but I'm not saying that your wrong. You may well be correct.
I'll add to the original poster that indeed the two can be mixed. In fact, the contact sequence is designed to mix POTS and data. You'll notice that data uses pins 1,2,3,6. POTS uses pins 4,5. If wired properly, one can insert a POTS connector and pick-up dial tone from 4,5. Or they can insert a data connector and pick-up data off 1,2,3,6--without picking up POTS voltages on 4,5....
Good luck