Should I replace my Tivo Premiere with the new Roamio OTA?

I've read through a few other related threads on this, and it seems like I'm on the right track but:



I currently have a Tivo Premiere HD that was originally activated back in 2009. I've had it for 2 years now on a $9.99/month annual commitment that was transferred over to me when I got it from the guy on Ebay.



The unit still works fine...the fan is a little loud, but everything still works.



I'm considering "upgrading" to the Roamio OTA for $49 from BestBuy, simply because I'd like a newer DVR that is quicker, etc. without shelling out $199 up front.



It sounds from others that I can probably get Tivo to give me lifetime on the Premiere for $99 though.



SO MY QUESTIONS TO YOU ARE:

1. Do I just stay with my Premiere if I can get the $99 lifetime and forego the Roamio? Or....


2. Is the Roamio OTA worth the upgrade knowing I'd then be paying $15/month for service (an extra $60/yr over what I pay now)?


3. OR should I get both...and keep the Premiere for another room in the house like the kid's gameroom?


4. OR...if I only need one DVR in the house, could I spend the $199 on the full Roamio and transfer my current annual plan? I've done the math on this one and I break even after 3 years basically. So to me it doesn't quite seem worth it on this choice.

I know those don't all jive together...but I'm looking for options on what others have done and why.