I presently own both a Harmony and URC. I have also programmed multiples of each. The two Harmony included my complete total POS 520 and a friend's 880.
Get this URC combo package, includes blaster, the whole thing works on RF + IR, with 6 emitters, for the whopping price of less than $80.
http://www.amazon.com/RFS200-PowerPak-Bundle-MasterControl-PowerBlaster/dp/B000FL9E6U/ref=sr_1_1?ie=UTF8&s=electronics&qid=1263326766&sr=1-1
It is pretty much entry level. It cannot be assigned to discretely command two different systems, nor can it be programmed to be only IR or RF for any certain command. All commands are sent out as RF and IR simultaneously.
It takes less than 5 min to program a macro. Programming Harmony is probably the least favorable experience I've ever had in this hobby. And my play button on my Harmony is just about dead after a year's use. It is a flimsy POS. The paint or whatever on it already coming off. The number buttons on it are the very tiniest # buttons I have ever seen in my life, and most cell phone # buttons look oversized compared to them.
JMO, and like I said, I own them both.