FiOS normally does not DRM their channels. I was on Verizon and then Frontier FiOS (still have Internet only). Assuming in your area there is no DRM (for all but premium like HBO) then you would get more channels with a Cable Card assuming you are sticking with FiOS TV. If you plan to drop FiOS TV then it does not matter. I think TVE for FiOS and Cable is best when customers "keep" the TV SUB (for some reason) but all or most channels have DRM.
TVE current does not support any Local Network Channels like CBS, NBC, ABC, FOX. You would need an Antenna for those. However, you might be able to get those with QAM via Cable even without CC.
When with FiOS I found that I got a lot of TVE Channels that others do. But again never as much as CC.
