I'd have to agree with the insurance thing, although it is great to have when you do need it but is a pain when you make the claim
I'd also have to agree with the phone, can't dial 1-800 (or its derivitives) or 10-10 numbers without having long distance service, whom in turn charge you $5-$10 regardless unless you use it a certain amount each month. Local service isn't too much better, charging what, about $10 for a freaking dial tone.
-Cyco-