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I'm everytime afraid when I'm having a good day at SS and a not so good at IS that some buyers may use some sorted research for finding the same file who was at IS and download it at low price from SS. I mean if they see that anybody is not exclusive, do it's absurd to think that they may buy that way?

Why would someone who has a subscription at SS be shopping at IS at all?

Perhaps because IS has lots of exclusive photographers, so they have different images to SS.  If a buyer finds the image they want from a non exclusive, they could check SS to save money.

SS has lots of images that IS doesn't, so I think it is likely that lots of buyers will have accounts with both sites.

I have bought a lot of stuff at iStock. Most recently though I have been checking to see if I can get the same shot or similar on 123RF.

You can get twice the size and bigger (more than enough for web pages) for one credit at 123RF.

It might only be a small percentage of buyers that do this but I am sure it happens.

I doubt it. If you're paying for an SS subscription, why would you buy an image from IS that you have to pay for? Your subscription is already paid for. You would want to use it to it's fullest to get your money's worth out of it.

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I'm surprised that people here buy from IS. I would have assumed that being contributors and knowing the commission rates, people here would buy from StockXpert or other higher-percentage sites so that the artists get more of the money. 

I agree with andresr here.  I'm sure that there are a few exceptions (maybe some freelancers or less professional people), but professional designers (and professional people in general) use their time to maximize their cost efficiency.  If a designers time is worth 50-100+ per hour (at least, their gross pay (to the company, much more than what they actually see) + company overhead is bare minimum) in actually making money for the buisiness, wasting that valuable time to chase a few bucks in cost savings on a picture here or chasing a little refund there is just a waste of time, that time is much better spent actually designing in terms of the cost effectiveness of their time.

Yes that true even more if the work is in the most popular. But I think that my small around 100 files folio can be difficult to find in the Shutterstock mega ocean. So just in case