I may have a unique perspective on Dish vs. Insight, since I had both at the same time about a year ago. My wife is from Brazil, so we had Dish for the portuguese language programming, but I wanted locals in HD, so we had Insight installed.
I thought that Dish HD looked pretty good, but in back to back comparisons, I thought Insight HD looked even better. I was able to switch back and forth between inputs to compare the same programs on channels such as Discovery HD Theater and ESPN HD. I also have a couple OTA tuners, and I still prefer the picture on Insight HD. Even on fast-moving, highly detailed scenes, I see almost no pixelation on Insight HD.
I don't watch a lot of SD programming, but as I recall Dish SD was so-so. Insight SD is not too bad. My parents have DirecTV, and I watched a couple Colts games there last season. Horrible. In a lot of shots, you couldn't tell who the players were; they were all just blue and white blobs, almost like an old video game.
The Insight DVR isn't the greatest, but it isn't horrible either. I wouldn't say it's any worse than the Dish 522 I had for a while. It does pretty much everything a
DVR is supposed to do. My only real gripe is that you can't set a default channel list. You can setup lists of favorite channels, but whenever you go to your guide, it defaults to all channels (even the channels you don't subscribe to, and all the adult PPV). You then have to select your list of favorite channels...every time. I can't imagine why they have it setup like this, unless they think that forcing you to see all the channels will make you want to bump-up your programming package.
If you really like Dish, but still want Indy locals in HD, then get both. If you subscribe to the minumum package, your Insight bill will be $20-something. Very much worth it, IMO, since most of my viewing time is spent on the big networks.
Also, if you're already subscribing to cable internet, then you're already getting your locals in HD for free, you just need to plug the cable into an HDTV with a QAM tuner.
Edgar in Indy