Casey,
Great overview and I agree with all but your #2 and 6.
DiRECWAY is expensive, but they offer 2 options, one for $599. down and $59.99/mo. and option B where you put $99.99 down and pay $99.99.mo. for 15 months and then the monthly service drops to $59.99.
Regarding you item #6, DiRECWAY has a "Fair Access Policy, FAP on residential accounts. The way it works is you can download up to 169 MB in any 4 hour period and if you exceed the 169 MB limit you are subject to a speed reduction to 56 kbps for 1 hour.