McAfee and Norton do not force you into a lifetime subscription, nor do they have such an option. Instead, they offer the option of automatic renewal before your 1-year subscription expires, which you can opt out of at any time. Alternatively, purchase a boxed copy from a retail store so you never have to give them such information.
Personally, I haven't found all-in-one suites to offer comprehensive coverage as each has at least one component that's not up to snuff. PC Magazine rated Norton IS 2008 and Zonealarm IS 7.0 the top two suites, but neither of those include registry cleaners, defraggers, etc. You're crossing security with maintenance there. Unless you want an AV, a firewall, spam protection, and parental controls all under one roof you can skip the suite and pick the best of each category. Then, keep in mind the following:
1.) Registry cleaning benefited Windows 95.98/ME users, but does little good under XP/Vista and can actually cause more harm than good. Don't pay for one, and only run something along the lines of RegSeeker as needed.
2.) Startup managers are unnecessary...just go Start->Run and type in msconfig for that built into Windows. Also check out the Startup folder in your Start Menu.
3.) Windows defragmenter is basic but can get the job done. Auslogic is a good freeware alternative.
4.) Backup depends on your definition...individuals files, entire hard drive, or...?
That should give you a starting point without investing in multiple all-in-one packages that are more fluff than tough.
Hope this helps,