but $599 for life time...you have to wait until your 5th year for that to pay off...and who knows, I might be taking my hoverboard to work by that time and have a neural implant in my brain that will have all the features of Tivo
The warranty sort of makes that less risky, though. Here's the thing I think a lot of people don't get: the financial advantages of TiVo come most apparently when you pair a lifetime subscription with TiVo minis in lieu of a traditional multi-room DVR setup.
For example: I have three TVs, and a Roamio and two TiVo minis (in case you're unaware on pricing a mini costs ~$125 new, and comes with free lifetime, but requires a Roamio or Bolt to use). To replicate my setup through Comcast -- true "start in one room and finish in another" DVR, OnDemand, streaming on all three TVs -- it would cost me $45/month in DVR rental fees. Even if I'm going to buy a new TiVo every 5 years like in your scenario, my cost for a Bolt (300), Lifetime (600), and two Minis (~250) divvied up over 60 months is $19.16/month. On top of this, Comcast gives out a credit of $2/user-owned device per month per some weird FCC ruling I don't totally understand which makes my effective monthly outlay 13.16/month. Basically I save $31.84 monthly through TiVo. My break even point is month 36; highly doubtful you're replacing your 4K TiVo Bolt in the next 3 years. And if you do, a secondary market for these things (especially ones with Lifetime) is extant.
You can price out similar set ups vs your local cable company's prices on your own.