Sorry man, I think my brain is having some problem. I still don't quite get your question.
If your question is "Is the hop count accurate if your telco don't use MPLS?"
The answer is most probably not. When your packet crosses to another AS, that AS might very well use MPLS / SRv6 in their network. This is a common deployment pattern used by a lot of service provider called "BGP-Free Core".
The implementation can be straight MPLS, Control-plane using MPLS with data-plane using SRv6, or straight SRv6, but the concept is still the same, with the same implication.
If your question is "Telco use MPLS routing, but you do not know if you are crossing a MPLS segment, which TTL is used?"
MPLS header has a TTL field. If it crosses the MPLS segment, the TTL field in the MPLS packet will be reduced. But your packet is never processed because it is the payload inside the MPLS packet.
Once the packet exit the MPLS tunnel, then processing of your packet from subsequent routing decision will reduce the TTL from your packet. Of course this also applies when the packet leave your device because MPLS tunnel don't exist in your home network.