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.