Howdy folks. I'm getting ready to pull the trigger on an HD Homerun Prime and dump my STB from Comcast HSV. Just wondering what kind of experience I'm in for. If I dump my STB, will; I still be charged the $9.95 a month for Digital fee? How much is one M-card to rent per month? Can I just go pick the card up, or do I need a tech to come install it? Is activation as big of a pain in the neck as people say? Thanks for any insight.