Some great and interesting replies so far, I think.
I had a feeling this would be as divided among members as I am personnaly.
I do admit the yearly fees of DM is among my concerns with doing DM, I can tell you that right now, unless it takes me, oh, 2-3 months or more to finish DM, I won't be able to pay for insurance.
Some good points about the benifits as well, I recently e-mailed my instructor friend, and he said thier shop pays pretty decent for DM's to work at OW classes. He says he essentially dove for free for the 2 years he was a DM. Of course some of the benifits aren't going to do me a lot of good... for one, I won't be able to do the more advanced stuff through the shop I'd DM through (about the only shop withing an hours drive or 100 miles that I do bussiness with). Also the shop I deal with, only has a limited amount of gear in stock or that they can order of intrest to me... they could get me tanks, a drysuit, a lift bag, a mask, and maybe a few additional small items but thats about it... I'm about 200 miles from a Halcyon Dealer, about 100 from a Dive Rite/OMS dealer (of which I'd have to special order anything), and 200 miles from an IANTD instructor that I'd actually be willing to pay.
I've got an e-mail into my shop about some concerns with DM training, or after the fact, when I hear back, I'll reply about the financial side of it. I do know for a fact that the owner is a newly certified Course Director, and he said that DM's can now do Discover Scuba, after assiting with like 4 of them... he said he pays $10 per person to come to a Discover Scuba you organize, that's pretty good, if you did one a month and had 5 people come, that's pretty decen money... he gives the gear and air for it, for free, all you gotta do is haul gear, do the "class", clean gear, and return it.
I got to thinking a bit more last night, and stumbled across another idea, which I'm now leaning the most twoards... I should learn at least one new thing in the class, as well as get practice with skills, and improvement in skills... most of my skills haven't been practied for 6 months of more (go figure no matter how many times I ask, my instructor friend has yet to do an S-Drill or any other skill practice with me, different diving philosiphy's I guess) it should also give me an opportunity to perfect trim, and weighting issues.... though much of the class will be back to the basics, I hear nothing but good things from all levels and experience of divers...
What could this be? Why GUE's DIR Fundamentals of course

Fifth-D has a couple comming up soon, and the cost is much lower than I remember it... this would also open the door to thier Recreational Tri-Ox, and Tech 1 courses