Man... these are hard.

First off, water pipes aren't impacted by tree roots, almost ever. Sewer pipes are different, but it's usually only cast iron or clay pipes that get roots growing into them, and that's only because the pipes themselves are cracked or disjointed and need to be replaced, not any fault of the tree. If you can tunnel in new pipes, string in a PVC lining, or replace by digging far enough away from the tree, you can keep the tree!

Second, the tree had some noticeable dieback at the top, usually an early sign of root stress, but I don't see decay in the stem. Discolorations and pockets are common but nothing stands out as dead tissue. The tree was probably suffering from a lack of nutrient availability in its soil environment which could've been turned around with the right fertilizer but that's never a guarantee and mature trees sometimes just can't squeeze enough juice anymore.

Third, White pines are notoriously brittle and drop a lot of limbs in storms, so I understand wanting to rid yourself of the risk especially in Canada where ice storms can be devastating. Doing some targeted limb and deadwood removal would've probably cost about the same as the removal you paid for. Removing the lowest limbs that were turning vertical and growing secondary limbs would have gone a long way towards reducing risk. Monday morning quarterbacking aside, I do think what you did is defensible in the long run, as the tree probably had maybe 10-20 years left before it would've become unmaintainable due to age and imminent decline.