I don't have On-Star, don't have Sirius/XM, and have not paid to have on-board GPS updated. These are a total waste of money, IMHO. Via a smart phone and Bluetooth, Pandora (or your own playlist) is the better radio, and it's free. As for the GPS, Google Maps is far, far superior for navigation. The on-board GPS is junk by comparison. Total, useless junk. I don't think GM could give it away if it was optional. They force us to take it as a part of trim levels.
On-Star? Not for me. I'll rely on my cell phone. There are pockets of the country with no cell service, but I'll risk it.
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