Why do you NOT want a switch box? Your television only has 1 input - how would you pick which source to watch without a switch?
I am not really up on "Cable Cards" except that I believe your local cable company has to support it. Call them before you buy - it might be a useless feature if your local system is behind the times.
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do cable set top boxes not ofer the same possibility?
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Not that I know of - but call your local CATV office and ask. Different cable companies have different generations of equipment.