Do you need both MSN Direct and Reatl Time Traffic Alerts?

 

I am thinking of buying Nuvi 765T in the near future. It comes with free Realtime Traffic alerts and optional MSN Direct. Which I think is that I have to buy subscription from MSN Direct.

Do I really need both or Traffic alerts are good enough. Though MSN has extra bells and whistles.
I will appreciate your advice.

PS: I live in Greater Toronto area in Canada.

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Iphone XR, Drivesmart 61,Nuvicam, Nuvi3597

I have both but....

I have both but in my area the fm traffic seems to be more detailed and timely.

I however, hate the ads!!!!!!!!!

So I am ditching the FM!!!!!