I agree here.
A very nice A1200 setup is:
- 68030 Accelerator card (Blizzard 1230IV is your best choice) - U dont even need an FPU
- 16Mb - 32Mb Ram
- Internal IDE hard drive or Compact Flash hard drive connect to the standard IDE
- PCMCIA compact flash reader. Easiest option Amiga-PC/PC-Amiga transfers.
- A decent Scandoubler/Flickerfixer (Indivision AGA1200 or DCE Scan/Flicker Magic
- WHDload and make sure you register it to get the full benefits.
With that setup you can even run OS3.9 comfortably, easily transfer your stuff to and from the PC/Mac and run practically all the games you want from WHDload.
Personally i wouldnt bother with the Subway USB. I have never had one and from what we seem to hear it has compatibility problems with WHDload, its slow, its expensive and i don't think many devices are supported by it.