Say what you will, but the Business version of Office 365 has drastically lowered our costs, and those of most of our customers. I've been able to pull out quite a few SharePoint and Exchange servers that had been crawling along and never really configured correctly to begin with.
Can't really say how the consumer version runs, but at least the business version offers a pretty robust privacy contract as well, though with both being a pay product you at least have a contractual agreement.
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