Normally, I would have commented on Ken's post (below) but comments appeared to be broken. Anyway:

3) allofmp3.com

A Russian site that lets you download music "legally, honest" in pretty much any format you like, at any encoding quality you like, and charges you by the megabyte. $0.01 per megabyte, to be precise. If they don't have the encoding you want, don't worry! They'll encode online while-u-wait! Probably funding some illegal activity somewhere, but no evidence of that yet...