Hi Mandy,
My husband and I went with Create. They are the only agency who also collect "peristem"... the actual umbilical tissue as well. My husband has a genetic disorder that has a 50% chance of being passed to our children. There's been some research on stem cells and curing certain disorders, and although chances are really slim that it could be used that way, I would kick myself for not doing it if in the future it actually pans out. I'm not only banking it for the kids, but for my husband as well... Just in case... so... if you have the money and can afford it, why not?? It's insurance. Even if you don't use it at least it's there just in case. You probably could always just donate it in the future or as part of your will or something as well.
Inez