I would certainly want to stick with my dlink dir 655 anyway as it's the best router I've had so far and only gets a restart every 6 months or so.
The Hub is free, you don't pay for the hub
what do you pay for then ?
As has been mentioned many times already, the one off fee is for some admin fee and nothing more. The only thing you have to pay for is the USB N adapter but only if you want it...