Murph--
I had XM for a year as a gift...it was fun and I enjoyed all the extra sports, talk shows, and even some of the funky music channels like bluegrass and 50's...
but in the end I let it expire and did not renew, even though the cost would have been affordable.
The reason for me was simply that there's still enough on regular AM and FM radio, or I could get some CD's.
Even though I am in my car probably an hour a day, I also converse with the family and make phone calls, too...leaving only about 20-30 minutes a day of trying to justify the monthly fee, which is bound to go up just like cable TV fees as time goes on....so I decided if I dropped it now, by the time I junk that car I will have saved well over $1500.