I have been reading about this and I am in the wrong....
When you buy that update disc...the annual licence fee does come with it. It will probably have to be registered with McAfee.....but it is there.
My apologies.
The difference betwen the products linked to is that your first link is an upgrade from McAfee 2009 to McAfee 2010..............whilst the second in the full McAfee 2010.
As you already have 2009, then the upgrade version would be the one to go for as that should give you a seamless upgrade of your existing prog whilst the full version may be treated by your PC as a new program and thus give some duplication/conflict problems
My understanding is that McAfee 2010 and the upgrades to that version are still in beta.............as you say, you have nearly six months left on your current licence, so no need to rush into things.