My truck has a Uconnect head unit that includes the GPS hardware. They offered my a discount from the normal price of only $500 to turn it on. If I ever want to update the maps, it will only cost me another $150 (as you both have learned). I currently use my phone for GPS, but I have found more than one location where if I don't have navigation going prior to that spot, I'm SOL. I have a TomTom but it's old and doesn't include map updates either.
But, real GPS devices have their place. I use GPS dog collars and would not trust something phone based. Garmin makes an excellent product. If the safety of your dog/child/spouse/etc are at stake, it's best to have quality products and a phone doesn't do it for GPS needs in my experience. They do a great job of finding a path to the library down town though!