Get a DirecTivo unit instead of the SA Tivo and STB combo setup. The DirecTivo costs $4.99 monthly for the mirroring fee, same as the standalone receiver. You'll pay an additional $5.99 monthly for the DVR fee but you can add unlimited DTivos to your account for just the one DVR fee. You will have to pay the mirroring fee for each additional DTivo, however.
DTivos have dual tuners so you can record two shows at once or record one and watch another. They also record in Dolby Digital 5.1 whereas the SA Tivo can only record in stereo. DTivos also recoprd the digital data directly from the satellite so there's no D/A and A/D coinversion taking place that will degrade the image on the SA Tivo. You'll see the exact same quality as if you were looking at a live feed. You can pick up used DTivos on ebay for less than $50. Just make sure the seller actually owned the unit and that it wasn't leased or DirecTV won't let you activate it. Get the SN and Tivo Service No. and check with DTV before you make the purchase to confirm it's a viable unit.
As for the SA model, you might want to try and sell it on ebay and list it as having a one-year pre-paid contract and try and recoup some of the cost through the sale. Continue making the payments until the commitment ends and then remove it from your Tivo account. Let the new owner know when the contract expires so they can make arrangements to have it activated under their name. This may not be the easiest solution but you'll have to pay a termination fee if you cancel early.
Please don't PM me or any other members looking for personal assistance. You'll do better by posting (after you've exhausted the search feature, of course) and taking advantage of the collective expertise of the membership instead of a single individual that may or may not be able to help you. Thank you and enjoy your stay at DDB!