as far as an email account that you plan on keeping for awhile, you'd be better off with a yahoo or gmail account. yahoo has a long and trusted history with very good spam controls, gmail has the advantage of allowing pop mail access without an annual fee.
personally, as long as you backup to CD or DVD regularly, i'd rather spend the money on other stuff like a firewire external 16X DVD burner, or a large ultralight firewire HD (I'd assemble the drives myself since that's a whole bunch cheaper.)