I have heard my nav tell me that there was both construction (turned out to be correct) and congestion (turned out to be incorrect) ahead. I too have never seen visual indication of traffic, save for a "traffic" keyword in the upper left of my nav screen. It's been on my list of things to investigate for a while now.
Aquineas (and everyone else),
In the first year of my free XM and "traffic" keyword, I only had visual indication of traffic, (green/yellow/red lines) when I programmed the navi unit with a destination, and ONLY when I was going through a city, not out in the country. If I did not have a destination programmed, there was no visual indication of traffic, even when going through cities.
I just renewed my XM and Traffic. Lo and behold, when the traffic keyword is on, visual indication of traffic (green/yellow/red lines) now show up on major roads, even when I do not have a destination activated in the unit. If I do have a destination activated, when I come near an area that is in RED, the girl in the navi unit (Geraldine) tells me that there is congestion ahead. Never had that before. No only that, but the when looking at the areas where there are red lines, a small icon shows on the map, and this is the same icon that shows when I push the DIS down and look up the locations of traffic problems.
One reason I may not have had the visual indication in the first year is that although I was receiving XM Radio, the unit ID that XM said I had, when they asked me to renew, was not the unit ID that shows on my screen when I go to channel 0. No idea why the ID was different, and no idea why I was receiving XM with the wrong ID. I paid them (by Money Order, never by Credit Card) and all of a sudden, the visual indications of traffic show up, in addition to the XM radio.
I like it the way it is now.