I will say you get what you pay for. What I like best about XM radio is that I can drive from SSF, CA to Reno with no noticeable difference in signal quality anywhere. Or out in the middle of the NV desert on one of my motorcycles. If I switch channels, it's because I want to listen to something else. And whatever I switch to will be there too. No searching for a signal is necessary. And no advertisements. But some channels still have too much BS--but then, just change the channel.
I won't miss the old AM and FM radios even if I do have to pay for the XM. It's worth it, IMO. I have it as stock on my Triumph Trophy SE, but I also have another unit that I can easily move between different vehicles, including other motorcycles and RV.
But so far, all the little XM radios I have seen need an audio system of some type to play through, so if there's no radio installed, that can then be a problem even with the XM radios, unless they change something in the future.
And BTW, I use XM a lot and the most I have heard it cut out from poor conditions in the mountains is for two seconds per every 20 minutes or so--and even that is very rare.
And what really surprised me is that XM radio is often terrestrial, not satellite at all. It often works perfectly in tunnels as well as underground casino parking lots as well as the lower deck of the SF Bay Bridge. IOW, "terrestrial repeaters" are often used for XM radio at locations that have no possible way for the satellite coverage. Much more common than I expected.
Before you knock XM radio, try it!
However, these days you can load all the music you want on a USB drive and just play it for free anywhere. No talk at all. And is very cheap to install in almost anything.
My 1984 Yamaha Venture has USB audio as well as XM radio and pays to my helmet via Bluetooth. I added this stuff myself --all very cheaply. I can also use this stuff with the bike's audio system to play on the bike's speakers.
But for any serious travel, Am/FM radios are almost useless IMO. But perhaps is fine if you stay in one area most of the time, but I often travel far in my vehicles.
-Don- SSF, CA