I have an XM subscription as well as a spotify premium membership. So I should note that 90% of the time, I am utilizing those during my commute.
XM - Reception is great and have no issues
FM - Reception is filled with static when not in HD. Unfortunately, when it does pick up HD it doesn't STAY in HD. Because I do not use FM regularly, I haven't gotten to the point where I disabled the HD. I should note that before, I had a 2008 Sierra Z71 and listened to FM frequently and the reception was great during the same commute.
I am commuting in a major metropolitan area.