Drubin has it right. TIVO is a DVR with a mandatory subscription service, not a cable box. If you don't want a DVR and TIVO's scheduling services, then TIVO isn't the product for you.
I have a TIVO, and went through the recent HD conversion with my cable provider. To get all the HD channels I subscribe for recognized by TIVO, I needed a multi-stream cable card ($2 a month from my cable provider) to insert in the back of my TIVO machine. It worked great after I followed TIVO's installation instructions.
Now, it is true that between TIVO and the cable card I am paying $15 a month for the TIVO to work, as compared to $12 a month for my cable company's DVR option. But TIVO's interface and recording options are better, so for me it is worth the extra fee.