If in fact there is a charge for supposedly "upgrading" to 3.05, it should be spelled out specifically in the d/l instructions. I reviewed and installed 3.04 last night, however, saw nothing mentioned regarding a fee for 3.05. I too am not a big fan of McAfee products, and don't see myself paying for a service that I really don't want. Perhaps someone more knowledgeable than I can explain exactly what the 3.05 upgrade does.....if in fact performance issues are tied directly into this upgrade, and the user must d/l this "security suite" as well to get the performance updates, this is really "dirty pool" on the D-Link company's part. However, if I'm in error and the performace upgrades are available WITHOUT being required to either d/l or pay for the "security suite" portion of the 3.05 upgrade, I apologise in advance.