Routing Failover without Scripting

…which is exactly what the documentation says. The original purpose of recursive next hop search is for dynamic routing protocols to which interface names don’t fit well.

However, you can use the remote address of the PPPoE interface as a gateway in the bottom-most recursive route. You cannot attach a script to /interface pppoe-client directly, but you can use a ppp profile for that. See this recent topic on how to do that.