Depends what you need. I htink 25 databases is a bit excessive really... And I think perhaps I've ben spoiled by the space I get, but paying 14.95/m for 800mb... ehh, well, yes I suppose if you're after those particular features, it's a good package. Mailing lists, a full commerce package... well it has its strengths and weaknesses.
You could get a credit card and then keep it hidden. That's what I do with mine, because I only ever use it for web purchases. Everything else is on a debit card.
