Well, I cancelled my account last month and just noticed that they billed me for August even though they deactivated my files in July.
Look into Zenfolio. I haven't looked at them for quite a while, but they offered everything Smugmug did, lower rates, free watermarks, more file formats Of course I did my research more than a year ago. The night I was going to switch they were down for maintenance so I stayed at Smug for another year.