I live in SF bay area and we have quite a few radio stations that aren't too bad. Many broadcast in HD quality as well. I personally don't listen to FM very much. I keep mine on talk radio AM stations, which I don't believe had HD? I just can't imagine paying a monthly fee for satellite cause I'm such a cheap bastard. Just basic phone, cable internet and tv cost me well over $200 a month and I complain about that excessively.