Skype VOIP experiences anyone?

OK, so Cyberguys.com has a deal on Skype.com compatible phones (USB $40 with speaker phone, caller ID, etc.)

With Skype, if two people each have a Skype phone, everything is free - no monthly fee, etc.

If one wants to call "regular" phone in the US and high traffic world areas (western Europe, Canada etc), it's about 2 cents a minute. There is NO minimum *monthly* fee, unlike Vonage. It's not unlimited like Vonage premium plan, but better than Vonage's $15 month / 500 minute plan (which nets out to ~3 cents/min).

An "internet / IP phone" without the "regular phone calling" option is of no interest to me.

This would NOT be replacing my current "9/11" home phone - it's just to save on my long distance calling.

I would most likely NOT be calling more than 500 minutes a month, so comparisons to unlimited plans aren't really valid for me unless I can call a regular phone, unlimited long distance for less than $15 a month.

I just want to know if someone has actually used Skype (or knew of one who did) and had any reactions to their quality and their service (if applicable).

The sound quality is very good. I do notice a slight delay sometimes. I use a PC with cable broadband connection and a headset. Don't you have to prepay to use Skype to dial regular phones? I thought it was like buying a phone card. Anyway, the gadget looks pretty neat. Of course, you can get a good USB headset for about $20 and just dial with your mouse or keyboard in the Skype software.