Quoted:
Wouldn't I have a 16:9 image the same size as I'd see on a 16:9 TV of the same width, just with black bands at the top and bottom?
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Yes and no - there are a couple of other things to keep in mind.
A standard def TV will only have 480i or maybe 480p verticle scan, since HDTV is 720p or 1080i there is no way you will realize the clarity and resolution of an HD broadcast. The image will be descaled to the standard TV scan rate.
A true HDTV will only come with a 16:9 aspect ratio and either 720p 1080i or 1080p resolution, 480i or 480p is usually also viewable but the tv will upconvert to its native resolution.
If you plan on watching a lot of standard def TV 4:3 might still be the way you want to go but if you really want to see HDTV the way it was meant to be seen you really need a HDTV with a 16:9 aspect ratio.
I have a 50" DLP HDTV and while it's stunning to view HD material the standard def material looks horrid. You really need to see both formats on both types of TV's to determine what you like best.