Ford is in the Sirius camp.
As far as financial pressures, both companies need additional money within the next 6 months. As you may be aware, access to capital in the markets is much more difficult since the dot com crash and many investors are far more leery of throwing money at ideas. Expect both companies to get more money, but at less favorable terms.
OTA digital broadcasting is not an issue of competing with either XM or Sirius. Since a regular analog FM OTA broadcast station has adequate sound quality for mobile applications, there is really little discernable difference in sound quality between it and XM (for example). By the time you get through compression and decompression, you've already lost enough of the quality to make them indistinguishable. The proposed digital broadcasting standards is more about bandwidth and additional digital features than it is about audio fidelity.
As far as paying for subscription based radio, think about that same argument regarding cable and satellite TV. In most metro areas there are 5-8 OTA stations to choose from, but cable and satellite TV have grown tremendously in the last 25 years because of the variety and choice they offer despite of their cost. Not everyone is a Luddite.
I purchased a Pioneer -903 for my wife last November two days before it could be subscribed. Got it running on the 15th for her and she loves it. She can now choose stations (of the 100 available) without putting up with the stupid prattle that passes for commercial broadcast radio in St. Louis (and probably everywhere else, since almost all programming is put together by consultants who think they know what the public should or wants to hear). I purchased the Sony 1st Gen PnP for myself back in July and enjoy the service with its multitude of choices. FWIW, the ergonomices of both add-on units is horrible, on par with most aftermarket stereo head units, but the service is what was the selling point.
Steve