Formalizing what is meant by "a random Fibonacci number" is difficult, but one can ask for a generalization of your computation: can we give an estimate on the smallest $n$ such that $F_n$ contains a given sequence of digits?
Heuristically (so I will not prove anything) we can argue as follows. Let's just assume that the digits of $F_n$ are random, with no predictable pattern (there will be some patterns in the last few digits but let's ignore this). This is very similar to the heuristic behind the use of pseudorandom number generators such as the linear congruential generator or linear-feedback shift register.
More precisely we will adopt a heuristic probabilistic model that the digits of $F_n$ consist of $\ell_n = \lfloor \log_{10} F_n \rfloor + 1$ digits chosen uniformly at random from the digits $\{ 0, \dots 9 \}$. This means the expected number of occurrences of any given sequence $w = d_1 \dots d_k$ of $k$ digits in $F_n$ is
$$\frac{\ell_n - k + 1}{10^k} \approx \frac{\ell_n}{10^k}$$
meaning the expected number of occurrences of any given sequence of $k$ digits in the numbers $F_1, \dots F_n$ is approximately
$$\sum_{i=1}^n \frac{\ell_i}{10^k} \approx \frac{1}{10^k} \sum_{i=1}^n \log_{10} F_i$$
which we can estimate as follows. By Binet's formula $F_n$ grows asymptotically like $\varphi^n$ where $\varphi = 1.618 \dots$ is the golden ratio; this gives
$$\log_{10} F_n \approx n \log_{10} \varphi = 0.209 \dots n$$
and substituting this gives that the expected number of occurrences of a sequence of $k$ digits from $F_1, \dots F_n$ is approximately (we've dropped many error terms here but this is just to give the rough idea, and this is the correct dominant term):
$$\frac{1}{10^k} \sum_{i=1}^n i \log_{10} \varphi \approx \boxed{ \frac{\log_{10} \varphi}{10^k} \frac{n^2}{2} }.$$
Now we can estimate the first appearance of our sequence of $k$ digits $w$ by setting this expected value equal to $1$. This gives
$$\boxed{ n \approx \sqrt{ \frac{2 \cdot 10^k}{\log_{10} \varphi} } }.$$
To check this numerically against your calculation we have $w = 787$ so $k = 3$, which gives
$$n \approx \sqrt{ \frac{2000}{\log_{10} \varphi} } = 97.8 \dots $$
which is off by a factor of $2$ but at least the right order of magnitude. This estimate could be improved by being more careful about the expected value heuristic at the end; precise information is known about how long you have to wait for a given string to show up in a sequence of random letters.