Banking on cord blood

Here's an interesting CNN article on banking cord blood. There seems to be a lot of confusion surrounding this topic, and while this piece answers a lot of questions, I'm still unclear on a few things. For one, if many cases require additional bone marrow, how do public banks handle that?

The topic of private banks' marketing is also one worth discussing. Parents, especially first-time parents, face so many choices--about childcare, and feeding, diapering and transporting the baby, to name but a few. In addition to that, the unthinkable: the idea that someday this tiny, not-yet-born person might fall very sick. Deciding to take an action--one that can be quite expensive--based on that emotionally charged hypothetical is tricky to say the least.

Did you find the decision to bank cord blood or not a difficult one? Did you feel you were marketed to in an inappropriate way?