I think if your going to have a monitored system (Self monitored albeit) adding smoke detectors double the value, not in money terms, I mean in terms of having twice the coverage. The risco quote is more comprehensive, but if your BB is reliant on your phone line you need to be sure that the phone line cannot be compromised before you dismiss paying extra for the GSM. Adding smokes to the Texe wouldnt cost that much more, on the same token nor would adding GSM to the Risco