I think the no account charges is only if you choose not to get a monthly statement sent to you but instead check your account on line. Not a problem for forum users.
I only spend about $20 (after discount) on tolls in NH every year. I would prefer to keep the tokens with the 50% discount but it looks like that's not an option. At $5 for the transponder E-Z pass is a tolerable tradeoff. I'll be paying a bit more for the convenience of going through the tools a bit quicker (which hadn't been that much of a problem for us). I also get the extended use in MA and NY which we go through every couple of months. I guess it's time to bow to "progress".
BTW, I think that $5 price on the transponder may only be for a couple of months, then they go to $25 or so. The early bird gets the worm (or better deal). The details are being worked out yet.