I signed up for a trial version of .mac. I like the webmail, it has a very nice interface. To me it seemed to load extremely slow compared to other webmail I've used. Maybe they are still getting things together with .mac?
As for iDisk, it's not too bad for uploading and syncing small files, but anything else such as programs or files over a MB, even with broadband, take too long to upload and sync, especially if you have a lot of them.
Backup is cool but not very good for large files such as movies and photos as it suggests, even with broadband.
I haven't tried iCard, I hardly send ecards anyhow.
Virus protection is a good thing, if only to stop people from spreading virii.
the Homepage builder is good for new users, but I have several domains with web hosting already and they are much cheaper than $100 a year. Newbies could also get free or subscription based homepage's from geocities or tripod for a lot less that $100 a year and just as functional.
All and all .mac is a nice suite of online utilities but I don't think I would ever considering subscribing to it for $100 a year.
I get 6 25MB POP3 accounts from my ISP for free. They are also accessable through the web as well.
iDisk would be cool but it just isn't very good for backing up large files on the fly.
If it was a few bucks a month I might subscribe just to help out Apple, but for $100, I honestly feel Apple is raping their customers.