I have lots of money sitting a zero interest bank account and some in accounts under .05% so no the TVM does not matter. It is not a minor detail that you post incorrect information to try support an opinion as fact. Yes it is. You have no way of proving your statement (and I have no way of disproving it). It is your opinion and I do not agree with you. The factual information I have is my own experience which is: Series 2 TiVo lifetime service cost now under $3.15/mo TiVo HD lifetime service cost now under $4.70/mo plus unit is worth about $300 more because of lifetime Series 3 lifetime service costs now under $4.30/mo and unit is worth about $300 because of lifetime service Premiere lifetime service cost now under $5.90/mo and unit is worth about $350 more because of lifetime service Like I said go ahead and pay more if you want too.