I have been wondering about this forever as well. I have talked to many people and read many threads about this, and I think you are right. I have been saying to people forever that you don't need the $60 plan unless you watch a lot of YouTube videos.
Those Metro reps really try to sell the hell out of that $60 plan though, don't they? lol Not only that, but try to get a straight answer out of any of them about the difference between the $50 and $60 plan, it's amazing how uninformed the reps are (assuming they are not outright lying to you, lol)!
I have mostly moved on to Nook Tablet development (at XDA) although I do still check in here periodically. If you can't solve your problem after searching around a bit, feel free to PM me and I will try to help.