Just a side note....I have had 5 garmin GPS so far. Their product is great and their customer service is awesome. However, I switched to Navigon GPS because they offer "lifetime traffic" on their GPS. I hate paying monthly fees.
Regarding how well the traffic works on the Navigon, I can tell you it does work. However, I drive about 1 mile to work, so I only used the traffic 1 time in 4 month. It picks up the traffic automatically...very cool. Check amazon.com and look up any Navigon and check what people are writing about it. I read a lot of positive reviews. Regarding MSN and Garmin traffic. I thought they were independent. In other words, you still have to pay monthly for the traffic although the MSN could be paid lifetime. However, if MSN include lifetime traffic, then I probably will consider a Garmin again in the future.MSN has a "lifetime" plan for $129.95. Just what that means I am not sure but I presume that it is for the life of the device, not the owner's life. Their normal cost is $49.95 per year.
The gizmo to receive MSN is $100 or so over the price of the GPS (except several that come with it installed & 3 free months). You get one year when you buy the MSN antenna for a unit that does not have it built in.
I have Garmin 76 S which is a great GPS for all around use but limited in the car mostly due to a very reflective small monochrome LCD display. I would like to get something that I can actually see on the dashboard, and I would like it to have automatic rerouting based on traffic, construction, accidents and the likes.
How does the traffic feature work on your unit?