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On the "build your own" feature on saturn.com i saw the xm radio listed at around $320 bucks in addition to the monsoon system. This is the first time i've seen an additional price listed for this option. Everything i had read before gave prices for the single cd and 6 disk monsoons and said one of those was required to get xm service. should i break down and pay the extra $320 for xm option or buy aftermarket?