OP here: We don't have one because we mostly commute between Alexandria and the city. We're only on one of the toll roads every couple of months. And when we take the beltway, it's usually on a weekend and there's no traffic, and even that's pretty rare. So we only have a need every few months, but every time we are stuck paying a toll (or get stuck on the Beltway), I kick myself for not getting them.
So thank you for the advice--it's really helpful!!