Both are crazy.
I always hated listening to someone else's formula for a music radio station. None are worth a damned whether free or pay. When I want to listen to music, I listen to my own playlists. When I buy music, I pay only once, not multiple times to hear the same songs over and over. Yep, that is crazy in my book.
When I listen to talk radio, I want it live and free.
I agree somewhat but having XM which I have on my Motorcycle I have more choice of stations with any kind of music I wish with no advertisements reception is great anywhere in the country as I travel and most have no DJs. Play lists might be good for you which you pay for also as I do for XM. mine is costing us about $18 a month for both units (one on the wife's bike also)we love it.