GoldenBear - You're getting an upgrade basically w/ the v.92 modem, and if you're in the dial-up market and plan on being there for a while, then you should go ahead and go for it... if it's cheap to you ya to make the upgrade. You won't be confined to the 53K regulation by the government which will give you a faster upload/download, I dunno one or the other, or both (not too sure).
Some pricewatch prices
HERE
Pretty good deals running.. if you have around 50-60 bucks to spare... go for it.
The one that clearly stands out of the pack would be the 3Com there... USR makes some quality modems... shell out the extra cash for the better product, support, long-run
Good Luck
><GG>