If you don't get an assurance from Sky that you will be able to record on your Sky Box (and ask them to confirm this in writing, saying once you have a letter of confirmation you will ring back and confirm they should downgrade you), or they want to charge a lot for this card, or you just feel you are about to be locked into another 12 months for Sky Talk and might not want to have much to do with Sky, then you could switch to FreeSat.
FreeSat boxes are available at various costs, from perhaps 50-70 pounds up to 200-300 for models with hard drive for recording.
If you have a suitable TV to handle High Def pictures (and at 300-400 now they are more affordable and likely to be 'common' and cheaper when your TV needs replacing next) then there are differences in what you can get and what it will cost, when you compared Sky against FreeSat.
As far as I can tell, a lot more stations on HD are available via Sky at present, but you would be charged an extra tenner a month for Sky HD (and if more than one room has Sky, they charge a further fee for additional rooms). There are some slight differences in the channels available (but if there are more shopping channels and music video channels on Sky, then not having them is perhaps a benefit if one switched to use FreeSat, anyway!)
With FreeSat (or FreeSat HD) boxes, you have that once-only payment for the box and then hardly anything else to do but plug it in!
As HD TVs come down (or can be bought cheaply on Ebay and free via Freecycle if someone has upgraded to get a '3D' TV) then with FreeSat HD each bedroom could have an HD TV and you would just buy extra FreeSat HD boxes and be without any monthly fees to find...