Verizon lets me use a M-Card on my Tivo HD. They had to install it when they came to remove my cable set to box, and configure it themselves. Then they charge me $2 less for the card per month as compared to the STB.
Why can't I just buy the card? Why do they have to install it? (For now they are not charging for the truck rollout).
The Tivo HD also gives me access to internet content, like from Netflix. That's my video on demand. So my virtual STB is working fine. I don't miss any of Verizon's extra services.