Per DL6ER: Caching in Pi-hole inhibits Unbound's prefetching algorithm.
Prefetching in Pi-hole would both support DNSSEC validation (because you wouldn't be disabling the cache) and fix the issue (caching for full TTL duration) that causes prefetching limitations.
Additionally, as proposed, there's more than one way to prefetch, and the first algorithm mentioned is likely favorable in smaller home networks where queries to popular sites aren't as statistically likely to hit during the final 10% of TTL.
Plus, pre-fetching in Pi-hole would benefit everyone, not just those who use Unbound.