This is way less than what you have now. Score one for the Libby. As far as articles, Questia doesn't have any yet. Kinda gives new meaning to vaporware. Musselman has reference librarians with master's degrees and years of experience.
Librarians answer questions in person, online, and via phone.
Questia has help pages. The library offers personalized, in-depth Research Paper Consultations. Score three and four for Libby. On January 31, a researcher was looking for biographical information on Alan Greenspan. Right here, already paid for.