Buy the Protection plan when you get a Satellite radio
As I posted at Offshorebettor, the moment your Satellite radio stops working, and all these things do, you just bring it back to the store ( I like Circuit City because they are easy) and they hand you a new one and give you another 2 years at the same price. You cant beat it.
The only reason to get Sirius is if you like Howard Stern, NBA and NFL. In my humble opinion, XM is better as they have Opie and Anthony (funnier than Stern), NHL and Major League Baseball. Out of all the sports, Baseball translates best to radio. I never listen to NFL on Radio. Considering that every monday night game and your local teams are on radio once a week, that should be enough. Baseball you get like over 2500 games per season or so.