I have as many tuners as I need. I've only allocated 1 tuner for live viewing on minis, because I'm the only one in our house that uses the minis for viewing live TV. I can't very well watch TVs in 2 different rooms at the same time. And 3 tuners is plenty for our household's recording needs. I'm not willing to pay Cox for more tuners that I don't really need. Paying 100% upfront is absolutely irrelevant to me. I manage my money well, so if I identify a product that I find value in and fits with my budget, I simply buy it.