Best dvr without a monthly fee?

I looked up the roamio which seems to work for digital cable only and it looked pretty good until I saw that they want 15 dollars a month on top of normal cable service for the privilege of using it...

WTF kind of crack are these people on? And the roamio lets you forgo the 15 dollars a month if you pay them five hundred dollars ?

Insane.

I looked up some comparative service dvr info and this is what I came up with:

http://www.wired.com/gadgetlab/2013/08/is-the-tivo-roamio-worth-it/

It looks like every service charges for the use of a dvr. Is that accurate? And if not, which is the best to use?