Outside the UK
Well outside the UK there is virtually no DVB-T, so DVB-S(2) is the way to go. And yes you can get cards with 4 tuners allowing you to record 4 transponders simultaneously. There's an advantage of recording "everything": You can just get any programme from the past. For example recently there was a German comedian sued by Erdogan. There was lots of discussion about what he said, but nobody published the video of his show. If you recorded it yourself, you could form your own opinion on what exactly he said. You would also find out that most of the people talking about it obviously have never seen it.