When I'm on my fast connection at work and at school, I like .mac a lot. IDisk works swiftly even on my Dell machine. But I have dial-up at home, and iDisk is tedious. The improvements you write of are in Jaguar, another $129 away. All this really adds up...and for what, really? I can use my $13 pen drive in much the same way.
If there were "giveaways" like last year's free prints, I might re-up. Why not a free tune or two (or 25) at the Apple Music Store? To get $99, Apple will have to offer something more enticing.