I know we are all anxiously awaiting the release of 4.5, but in the meantime do you think it is worth the cost of paying for Empower or BBSmart? From what I've read that once you upgrade to 4.5 the HTML programs no longer work and it is unclear how long after the release of 4.5 that the carriers will activate HTML. I guess I am just looking for reassurance that I will get my use out of the email program. What do you all think? And if I go ahead and purchase does that attach to my bill or do I pay with a cc?