Ok, I think I've got it.
So if I get a two tuner PVR, there's just one PVR fee and no additional fee for the second tuner as long as I have it connected to a phone line.
The only thing I don't like about a two tuner system is gettting the video/audio to the second TV. Looks like the connections are limited to composite or RF via COAX.
I swear, their pricing is confusing and kinda sticks it to you with a fee for every little thing.