You're going to get votes for both for sure. IMO it comes down to how important is Football and the Sunday Ticket package? Of course that's a DirecTv exclusive. You're most likely going to pay a little more for DirecTv for similar/comparable channel packages. Since the whole home DVR has really taken off, I haven't seen or used the Genie, but have been VERY happy with the Hopper and Joeys from Dish. I think adding the ~$4/mo insurance against equipment failure is a wise choice for either provider. (Yes it sux to pay extra to protect equipment you're basically leasing) The DVRs (for either company) can fail at any moment and it's nice to have that piece of mind since they're expensive to replace entirely out-of-pocket. Although, I've had 2 Hoppers in my home for nearly two years without a hint of an issue, which that alone is a huge improvement over their older DVRs. The newer Hoppers are "sling loaded" meaning you don't need any outboard attachments to stream to a mobile device as long as the Hopper is wired into your network. Having just queued up a demo video on YouTube, the user menu and guide on DirecTv has come a long way and has been cleaned up a lot. Dish's guide hasn't changed much since I've been a customer, the graphics have been sharpened to a more crisp, HD like appearance but the layout is the same. The settings and DVR menus have changed and have an app-like appearance and the learning curve is small. I think the two companies are on par with each other in this regard and it really comes down to personal preference similar to preferring Onkyo's menu system over Marantz. With Dish, if you watch a lot of nightly network tv, the Primetime Anytime feature is nice to turn on as it gives you access to EVERY show between 8-11 on ABC, CBS, NBC and FOX for upto 8 days. Also 24 hrs after airing, you can activate autohop on these recordings to automatically skip commercials.
My opinion is that if Sunday Ticket isn't a factor, then the features/performance/operation of both whole-home technologies is so close that I'd go with Dish based on the larger DVR hard drive, and lower monthly bill.