I've had a MobileMe account since day one. I like the fact that it gives me an email address that will not change, even if I change service providers every six months. It gives me off-site storage for critical files. It gives me a website/blog and photo archive. And yes, I know those things are available elsewhere for free (as this was in the beginning), but I'm a firm believer that there is no such thing as a free lunch. Somewhere, sometime, the free services tend to migrate to paid services or else you get stuck with ads and other nuisance things, so I don't object to paying for my MobileMe account. Saying that, I will admit that I don't pay full price for it by leaving it on automatic renewal. There are always discounted packages available at place like Amazon and Small Dog. And don't be fooled by 'this year's' vs 'last year's' packaging. It's all the same, and all you need is the serial number. Amazon is currently showing 'last year's' for $48 — half price.
Sometime back, Apple added "Find My iPhone" to MobileMe. If you add your iPhone, iPod touch or iPad to it, as long as some sort of networking (3G or WiFi) is enabled, you should be able to locate it. Now, it won't tell you the exact location, but it will at least let you know if you left it somewhere in your house, office or that last coffee shop you visited.
Better yet, you can remotely lock it or, if necessary, wipe it clean. Yep, if you have confidential info on it and it was picked up by some light-fingered louie, you can erase your data to keep it from prying eyes. You also have the option to display a message. Or, you can have it play a sound, even if it's in silent mode. Admit it. We've all called our own cell phones just so we could locate them. I will even admit to using my cell phone to locate my cordless house phone.
MobileMe will send you an email showing when your message was displayed. There is also a free Find My iPhone app that will run on your iPhone or iPad so you can check, even if you are not near a computer. Kids in the family with iPhones? If the phone is turned on, you can even locate said offspring.
If you have an iPhone or iPad or even a touch, and you don't have a MobileMe account, you might just want to consider it. It might save you some headaches.