I agree with most of your comments and am in the same boat with regard to time in my car. Our new Honda mini-van came with a free 3 month subscription and it was nice to have on our yearly summer vacation. But we most definitely had to listen to commercials during our drive and that really bothered me. Its kinda like watching 20 minutes of commercials before the movie I paid $12 to watch starts. I just feel "cheated" by having to pay *and* listen to commercials.
The other issue is quality, or lack there of. I don't know if it is just the built-in Honda receiver or what but the quality of the music coming out of satellite radio is just not up to par. It sounds like its been compressed out the a$$! Does everyone hear this or is it just me?