I never used it when I had it. That's a nice little chunk of money. (Think computer accessories😉 ) The only 2 things I liked was the online address book and checking my e-mail from anywhere, but I since found out my ISP provides that too. I once heard an argument from a fellow .Mac user that without .Mac you cant access your e-mail when you are away from your machine. Yes, you can, with almost every ISP. Those 2 things were all I needed it for, but if I can do it for free why pay $100 a year? Some people use the features, I don't. It sounds to me like you don't really use it enough to justify paying that price.