I had the same decision to make four months ago. I have three TVs and a Tivo. While the programming charges are similar, going with a 522 and a 322 for 4 sets was a no brainer. Having had a Tivo, my family no longer watches live TV. Programming was not an issue. None of us cares a whit about sports and both companies had more channels than the analog cable we were abandoning.
After having used both the 522 and the Tivo, this is also a no-brainer. The ability to have two tuners and watch different things on the 522 is a nice draw. Unfortunately, Dish forgot a couple of basic features; like recording a program and playing it back.
My 4-year old Tivo, which hasn't had a software update in three years is more reliable, easier to use, and just plain works. The 522, which has had at least 4 software versions in 4 months, seems to blaze new trails in finding things to break.
Being a beta tester for Tivo was less frustrating than being a mainstream user for the 522.
With that being said, for me, I would go with Dish because of the lower incidental fees ($5 per month per receiver). If you want a DVR, save the $5.00 per month DVR fee and get a Tivo. The couple of extra bucks will be well-spent.
Good luck. Whatever you do, you'll be ahead of cable!