I see your points but for me it's not about cost but about convenience and personally I like simplicity. Less is better for me. Just another thing to think about. Now of course it definitely had it's advantages and performance is better than Bluetooth-ing music through a phone, but I guess it's about reaching a point of satisfaction. Never say never
Copy, for me just wanted to have more choices over the FM/AM system with its limited antenna range. I used a phone for a while, but it comes with its own challenges etc. For me the XM is really great during longer rides as well and I like my systems, they are cheap, functional get the job done, but understand to each there own.