I had doubts about buying a premium account too, but they had an new years special where they offered to double the amount of time. I bought a half year and got a year and I am very pleased about it. It is quick. No more waiting for a slot or the 45 secs before you can download. multiple download and it is much quicker....
If they still exist in a year, I will buy another half year again!
Some people will take the credits and some people prefer to take money..... I prefer both !