WRT Microsoft 'pay for help':
I had a developer key for XP, and needed help, which got my a $35 charge to my credit card. Had to do with audio and video drivers.
The entire transaction was done via many back and forth email. The guy was, I think, Chinese. He answered every question, knew what to ask me for and about, and got my problems solved really well. I was truly and suitably impressed, and thought the $35 was well worth it.
Just my experience. Your mileage may well vary ...
rr