Nope. That wouldn't be hard to do at all. Since manual renewal will be an option regardless of whether or not automatic renewal also becomes one, what you're describing is already in the plan.
I think what it boils down to is that personally, I'm averse to anything you have to opt out of. And if someone quit using the site for any reason and forgot to opt out of automatic renewal, I don't want them being "reminded" by a charge showing up on their monthly statement.
So, basically, I won't implement an auto-renew option unless I hear a really good argument for doing so. It's not really *that* inconvenient to go through the process each time you renew, and if it seems so, then an annual subscription can be selected.
I'll see if it's possible, though, to offer a link that can just be clicked and nothing further has to be done. Just click and the appropriate charge is made and the time added to your expiration date. I kinda doubt this'll be possible, though, doing it the way I'm going to with Verisign (with my not having the cc info). If I kept the info here, I could easily make renewal a "one click and you're done" proposition. I'll see if that's also possible the way I'm planning to handle cc stuff now.
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