For me, I would likely have to add on the ADH for the extra $4.99, since I have a 5 and an 8 year old under my roof. Weird things happen around here for no apparent reason. And because of my wonderful wife (love her to death), I would like to rename the ADH to ADHD (adult deficit handling disorder) for our household. She is a bit clumsy sometimes, and again....weird things happen to our electronics around here. So that totals $24.98 a month, but do not forget the TAX. For me, looking at $26.25 a month or $315 per year. Already paying over $2600/year, that would take it to 3K per year to DirecTV, minus a couple programming discounts. I just don't have that extra disposable income right now or anytime soon.....so I will have to take my chances without it as I do have the standard protection plan.