Russ, I have it built into my cable box. It's not Tivo but I think it's very similar. I pay about 10$ a month.
I do like being able to pause or rewind tv. I also like taping shows I like and having them in storage. I don't watch more then An hour or so a day, a bit more on the week ends.
I still have it so it must be worth 10 bucks to me. I also miss it if I am watching tv somewhere else and miss something. I reach for the remote to rewind and can't!