I was just browsing the Fractal Audio webpage and was surprised by this page:
http://shop.fractalaudio.com/Software_Downloads_s/54.htm
Apparently, Fractal has a bunch of cabinet and IR packs, as well as editing software, available, but you have to pay to get them. Some of those packs are made by Fractal themselves.
Contrast that to the approach of the Kemper team and it's no contest. Free updates, free rig packs, free librarian (though no word on an editor). I don't think commercial profiles are a detractor either, since they are made available by sole parties and not endorsed by Kemper Amplifiers.
No contest in my book. One year into my Kemper and the device looks better and better. Here's to firmware update 3.0, really excited