When I worked on an XM receiver project, I recall they had about 1.5 mbit of bandwidth to work with. Most stations were 16 or 32Kbit AAC+.
The talk stations used 8kbit AMBE, which is pretty much the same as a vocoder. You weren't far off by calling it robot talk.
I think they could do a lot better if they used their modern position to their advantage. Most receivers are in cars, and many cars are coming with always on internet. Hook up to that and a) report on coverage deficiencies, b) fill in from internet streaming when in poor coverage areas, c) get metrics on listener numbers so things that nobody hears can be dropped, d) use streaming to boost bitrate.
For the sales, I call them every ~5 months, say I will pay $25+tax for 5 months or something like that, I set the next calendar event.
That was 2005
It's not any better now.
Well, of course. Sirius XM, where's the competition?