OK, last change. Reporting this just in case someone else has the same question later. Bill's questioning the $25/mo for the HR21 kept nagging at me so I got into a chat on the Direct website. As Bill said it is $7/mo. The Chatter said it would be $20 one-time for the new access card but when they sent me to the Access Card Team they said they waive that if you are re-activating a receiver that you previously had. If it was an Ebay/Craigs list receiver, they would charge $20.
The HR21 is all we need so we have a cheap solution. Thanks all for the help.