Doug
Really depends on what you want. If you've never used a DVR, you might try the 12 mos to see if you like it. I have lifetime on mine but only because I bought it on ebay like that. I'm glad it has lifetime.
Also, you might check w/ your cable provider. I know that Comcast offers an HD DVR that picks up digital cable AND HD channels. Here in the SF Bay Area, I think the box is about $10/mo, plus other service charges. My father in law has it, he loves it. You might be able to "negotiate" a deal for a higher package if you sweet talk them.
