i am interested as well skeptik as to your smart card question?
carderne, how far into a HTPC setup do you want to go?
For instance, initially I had a Winfast TV200XP Expert card connected to my decoder. I would then set auto-tunes on the decoder and then setup the same times on the WinFast recorder tool provided to setup the proper times. Of course this was a software encoder so I couldn't use the PC at the time it was recording (hence why most recordings were at night). However with a C2D or C2Q I can't imagine this becomes much of a problem.
I then brought a Hauppage PVR-500 when I had a dual view. I bought along with it a n MCE Remote with blasters that could control the DSTV decoder. I used this in conjunction with MythTV. This wasn't for a long time as the dual view wasn't mine.