It does get complicated with different frequencies, but generally you can't do anything about that. 3.5dB loss is half, 7dB is half again. That's the absolute minimum loss possible when splitting a signal. Imagine putting a splitter in a garden hose. Half the water goes one way (-3.5dB) and half goes the other (-3.5dB). If you fill a bucket with both, you get same total amount as you would from a single hose. Essentially if you see numbers like 3.5 and 7, that's the best you can do. Higher frequencies would be like poking some small holes in the hose, increasing losses a bit (actually more like adding valves inline, but you get the idea). Bottom line is if you have issues, try remaking your terminations or cables since there isn't much you can do about splitters besides reduce the number of splits whenever possible.
Ethernet is great if you can pull the cables. But the reason most of us use Moca in the first place is because it's prohibitively difficult or expensive to pull new cable. If Moca ultimately doesn't work in your situation, try powerline. FWIW, I've used Moca in my house for years for 4 of my upstairs rooms where I can't pull cat5/6 and it's never given me any trouble. It's distributed through a couple of cascaded 2-way splitters. It's isolated from my CATV network, so only carries ethernet, so that loss is not an issue for me.