I am previously a Dish Network subscriber where I had to look at two satellites to get both regular programming and locals. Are you saying with Direc I would only have to look at the 101 satellite?
D*'s core SD programming is at 101 only, and if your in Indy then your SD locals are also there. Their HD programming comes from 99 and 103, so if you can see 101 chances are probably good that you can also see 99 and 103.