Hello juanchi,
please do not ask me what chat version you should take. I am not here to promote any product neither do I talk negatively about any other product. I am offering a hack for people who want to integrate DigiChat with VBulletin. If you need arguments which product you should buy then please talk to sales represenatatives from each chat software provider.
Regardless of which solution you take I can tell you that any self hosted solution needs additional software for Audio/Video which is expensive and not easy to setup. Most of these solutions rely on the Macromedia Communication Server for the Audio/Video part. You can look up this pricing on their webpage. Or you go with a hosted solution, so you do not have to hassle with anything like that. All of the chats which you mentioned before offer a hosted solution.
Now it is up to you which one you take or you can afford. ;-)
Cheers,
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