"Only $499" essentially depends on where you are in this recession right now.<p>If you've survived so far or are back on track, if your employer or business is in the black and you're a decently-paid professional without too many expenses, it's probably a worthwhile investment in improving your digital lifestyle.<p>If your outlook is more mixed, especially if you're part of that 10% of Americans currently without a job, you probably want to keep that $499 in the account just in case you need it when you go out for groceries in the coming months.