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Don't worry about blu-ray at all. We haven't gone that route yet and we're happy. We're like you, own a few DVDs. We did get an upconverter but that was way cheap refurbished, and now we're playing with using the DVD drive on our server instead.
As for the cable issue...I believe we had a reg tivo and digital cable no prob, just had a cable card, which was no big deal...but I'm no expert on that so I could be mistaken.
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