Looking for suggestions

I have a Tivo XL and Roku on my main TV and a Roku on additional TVs in my house. Up until recently I had the full cable package with HBO. Recently I dropped down to Internet only with the plan of streaming the majority of my programming via the Roku (it's much better at it than my Tivo).

Is Tivo worth the monthly fee with only OTA transmission?

Has anyone else tried this?

Are the new OTA only systems better at streaming than my XL?

Thanks