I got a phone call a few months ago on this very topic about a person "trying" to use his FM Modulator on 93.3 and he was blaming my HD for his problems, so while I was on the phone with him I asked if he was listening to his radio at the time of the call, he was, so I powered off my HD Transmitter did not tell him I did so, asked if the problem was still there, it was, So my HD wasn't the source of his problem. I did step him through some things to try and help him he was happy with the results. You did mention 96.5 as a problem for you. now you have 96.1 and my station on 96.9 with the adjacencies so close to one another I would bet your $25.00 FM Modulator can't reject that much RF to make your satellite radio listening enjoyable on 96.5. Yes I know these 2 stations are beyond the second adjacency for 96.5 I still blame the FM Modulator, ever listen to a cheap analog FM radio and go to 96.9. then 97.1, 97.3 and you still get side noise (depending on how close to the transmitter you are). So try moving to the lower side of the FM band, when I was using a modulator for my HD radio a few years ago I found 107.3 clear and I found 88.1 and 88.7 work well too. when I'm driving into Pittsburgh I hear Stern on those frequencies most often.