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Personally, I would be more concerned about being locked into B&N's DRM scheme for two reasons.
First, I use virtual account numbers for online purchases, and so the CC# expires and changes more frequently than if I were to use my actual CC# online. This was never a problem at Fictionwise, because Fictionwise gives the option of which CC# to use during the download process. So the credit card number used for downloading can be independent of the one that was used for purchasing. B&N doesn't give that option.
Second, I don't own a Nook but have used their mobile apps to download a few free ebooks from B&N. The Nook for Android app started giving errors about not being able to connect to the server when the credit card number I had used to "purchase" the free ebooks expired. Then I got kicked out (logged out) of the iPhone app. When I logged back into my B&N account in the Nook for iPhone app, I had lost access to the ebooks I had previously downloaded and had to re-download them. But in order to re-download, I had to update my credit card information on my B&N account. It wasn't a matter of just entering the credit card information that had been used to purchase the ebooks, I had to log into my B&N account on my PC and enter a valid credit card number on my B&N account before I could re-download the ebooks into the Nook for iPhone app. And it was only after I had updated the credit card information that the errors in the Nook for Android app went away.
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