Ha, I had the exact same experience as JESTERED.
No matter what combination of choices you make, every single channel lineup on the SiriusXM website shows all the individual sports team channels (every channel from 800 up) as "Online Only". That is where the confusion reigns. If these are included in car radio, why does that say "online only"?
If you click on "learn more" for the Select or Premier packages, it does say NFL play-by-play is included. Still, that contradicts the "online only" in the programming guide.
So I chatted online with a rep, and he told me point blank that the ONLY way to get NFL play-by-play was via the Internet package ($3.50 upcharge), and that I could not listen to NFL play-by-play in my car!!!!!
I think that answer is completely wrong based the posts in this thread and what I've read elsewhere, but it goes to show that SiriusXM does not have its house in order. Fix the website and fix the sales reps.