Some questions that I'd like to have answers for and I bet other people would too, so I'm risking posting it here! ;)
1) Other than peace of mind are they worth it or just hype to scare you into buying?
2) Which one of the largest 2 is best?
3) If I do subscribe should I actually subscribe to two? - that is - one in my name and another in my wife's name.
Personally I froze both of our credit reporting accounts at the 3 main bureaus about 10 years ago so I feel I at least have that protection as I haven't needed credit for years and I realize there's a hassle doing that.