A lot of ladies have profiles on both, but every now and then, you'll find one on only one site that is a real gem. That's the thing that makes me keep paying the annual fee for P411. I've met two ladies from there who aren't on Date-Check, and had fantastic evenings both times. If I could only have one, I'd have to pick Date-Check for the reason that you pointed out, the lifetime membership.
As a provider, I accept both and have no preference. They are both pretty widely accepted by ladies. I agree that a one-time payment sounds better for the gentlemen, particularly if you're married and don't want recurring payments on your bank statement to attract attention. I think both come up as something innocent-looking on statements, but it's easier to explain a one-off charge.
For example, I live in Dallas. P411 is HUGE here, and I use it constantly. Date-Check, on the other hand, I've given like 3 vouches on and only verified one person with it. Tabu's experience above is the opposite.
If you have a local board on here (or multiple if you travel), I'd see what they use more often.
I am now verified on Date-Check and I might add in P411 also. It was painless. And it was possible without violating any of the guidelines I had set for myself.
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