I love it. The Fantasy Football channel has a couple of outstanding programs (the segments with John Hansen and Nathan Zegura). The Jazz channel is also outstanding, as are most of the music channels. There is an English football channel. I've tried to listen to FM radio since I started with XM ... I just can't do it anymore. I'll gladly keep on paying for it.
XM is great. I have a portable that I can listen to in the car or in the house. You will notice it most when you travel, if you drive a lot.