99.95 + tax (about $104) for RoadRunner, IP Phone (no LD charges anywhere in the US), and Digi Cable TV (more or less 1 notch above basic cable, no premiums like Showtime & HBO, but HDTV, music, and on-demand/pay-per-view channels). Master email account + 5 additional, freebie AV/Firewall/Spam/Spyware software. No invasive customization of my desktop software.
That's a promo (1 year) bundle price. RR alone is $45/mo. Phone alone is $40/mo. Once they hit me for full price next year, I'll probably cancel RR (though maybe not - depends on what they offer to keep me from canceling ;-) ) and maybe switch to something like Verizon's broadband.
I keep my email on my local system (Outlook), though Mozilla's Thunderbird is a fair bet for email if you either hate Outlook or can't hack the Office pricing. Email is of course searchable & reorganizeable and all that sort of stuff.
I don't worry much about local system crashes because (a) central server stuff tends to crash or otherwise go unavailable way more frequently, (b) I archive my criticals, like pictures and whatnot onto CD periodically (a 650MB CD holds a lot of pictures ;-) ). I usually get a new home desktop every 5 years or thereabouts, and I'm practically religious about keeping crap software off of it, so I haven't had a "crash" of any sort in well over a decade (and that one I induced myself to test some software I was working on).
I haven't been too concerned with the content-filtering thing, but that's 'cause my kids weren't granted unsupervised computer time until they were old enough to to tell the difference between content and garbage. Guess I've been lucky in that respect - though said luck was aided with the likes of "If I can't trust you to use a stoopid computer, what makes you think I'm going to let you drive off in my car alone later on?", and I did sift through browser logs regularly for a time, until I figured out the boy was actually listening to me ;-).
All the family (and most of kid's friends) do have AOL "chat" accounts (AIM), but we all use
Gaim instead of the AIM client gadget, so we don't have to put up with the AIM server pushing "ad content" in our faces all the time.