Directv, HD, and Tivo are not cheap. The football package in HD is getting a bit crazy too, over $300/year now.
I switched from Directv to Comcast once I got HD. The DVR is only an extra $10/month.
Also the locals are not available in HD at this time on Directv.
Check out:
http://www.avsforum.com/avs-vb/forumdisplay.php?f=6
The twoplustwo of home entertainment.
I can't think how I lived without HD now.