TiVo Community Forum Archive 1 (http://archive.tivocommunity.com/tivo-vb/index.php)
- HDTV TiVo Powered PVRs (http://archive.tivocommunity.com/tivo-vb/forumdisplay.php?forumid=36)
-- which service plan is more convenient (http://archive.tivocommunity.com/tivo-vb/showthread.php?threadid=182580)
If money was no object, then D* plan is probably easier (and lasts forever). However, money is an object and D* protection plan is overpriced compared to the protection plans offered by the stores. If once that expires, you still want a protection plan you can always convert to the D* plan.
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