Why do you guys want to pay for .Mac? Pretty much all of its features are better supported elsewhere and in many cases are free too.
Email - Gmail
Photos - Flickr
Web hosting - uh, everywhere
File sharing - Rapidshare et al
You just pointed out exactly why MobileMe is worth it:
It's all in one place. No going to four or five different sites do all these things, it's all in one place with MobileMe.