It's not up to DirecTV (or any other provider). The law says that if you are served by a local affiliate then you are considered "served". Availability of that station in HD has nothing to do with it. DirecTV would be breaking the law giving you an HD station from another market.
Only if you have no local CBS can DirecTV give you the one out of New York or LA. Again, HD has nothing to do with the rules, only that you have a local CBS, even if only SD.
Thank your local congressperson.
As for Superbowl on channel 95? Less then zero chance. Debate comes up every year but there is no way the network affiliates would ever let that happen, they pay HUGE money for ads in the Superbowl and no way will they allow you to watch a different feed.
Basically go to antennaweb.org and see if any of your stations are in HD and what antenna you need. Then stop by your local thread on the AVS Forum for you area to see what results others in your town get.
Good luck.