Thanks, that helps ensure we're all using the same terms here. It will be interesting to hear from @adk749 if, after setting up the card through the SiliconDust guided process, all channels in his FIOS package are available.
From his post that seems to have worked, but the last time I checked my provider (Comcast/Xfinity) offered unencrypted, encrypted, and protected channels, often in the same package. A call to Comcast was required to authorize a CableCARD for the encrypted or protected channels.
A while back Comcast set up a dedicated hotline for CableCARD activation, which made a big difference in reducing the aggravation factor.
In the recent HDHR consumer lineup only the Prime models can receive cable, and they are CableCARD devices. All their other consumer models are for OTA. So at the moment, for cable the consumer options are either buy a 3-tuner Prime on eBay/Craigslist/etc, or wait for the Prime 6.