First off, it seems that lets me "store" a RAW but that I have to attach that to a JPEG. I'm lazy enough to want to be able to upload the RAW and have it do the conversion for me.

Second, and the bigger problem for my use case, is that there is no "forever" or "lifetime" account option. I want something where I pay the equivalent for a few years cost, and then as long as I have someone who has the username and PW and checks in at least once a year, I don't have to pay again. So a $599 account that has the Pro options as a single payment. Of course cheaper would be fine too :-)

Lastly, and this is probably "just me", I'd like something that will let me do at least simple retouches on my Motorola Xoom.

Build the service, or get SmugMug to extend theirs, and let me know so I can sign up!