what you are trying to do is correct , i mean the static floating route with an AD of 254 preferable than 100, will do the job in the case of the 172.16.0.0/24 learned by the backup or the first serial interface disapears from the routing table.
so the static floating route will take its place in the routing table quickly.
also you can achieve that using dialer-watch lists.
yes indeed if the 1st serial interface is down and its isdn backup interface is down that means the route 172.16.0.0 gotten on those links will disappear , and automatically the other one you ve configured with a administrative distance of 100 will be placed in the routing table so traffic will be forwarded using this 2nd serial interface, in this solution you have used what we call static floating, so dialer watch-list is another way to achieve that but it functions only with IGRP/EIGRP/OSPF but i m not sure you can do it using serial lines here is link for more info : http://www.cisco.com/en/US/products/sw/iosswrel/ps1828/products_configuration_guide_chapter09186a00800872ed.html
ideally serial interfaces are dedicated interfaces for usage and irrespective of the usage or not we pay the charge. So generally people go in for primary interfaces of serial. Incase you have two serial interfaces u can use them as the primary and the secondary with their corresponding metrices. The isdn can be configured as the tertiary.
Dialer watch list is nothing but tracking an interface on the router whose failing sould trigger the isdn. It is similar to the backup interface configured on the primary links.
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