I would said you should go for dry cabinet.
#1, it would not cost more than $1 per month (probably less than $0.50), and it is maintenance free
#2, Dry Cabinet hardly brake down.
#3, you have to keep replacing silica gel every now and than, recycle them or buy new cost more time and money for long run.
#4, if you forgot to maintain silica gel, you put your camera at risk.
#5, fungus clearing for one camera and one lens will cost more than a smaller size of dry cabinet, it is will not guarantee wouldn't happen again.
#6, $99 is only less than 5% of $2000 (camera and lens)
#7, you can sleep better at night.
:thumbsup:Good analysis.