Well, without a cablecard option, you're stuck with either an Over-The-Air TV/ClearQAM Tuner or a Set Top Box (from Cogeco) in conjunction with an HD Video Capture unit. This of course assumes that Cogeco is like every other cable company in the country that has encrypted it's cable channels.
If you have a cable company provided set top box, then look into an HD video capture unit like this Hauppauge HD PVR
. Your Set Top Box will act as the TV Tuner (whatever you want to record, you have to preset the Set Top Box to record as if you have a VCR attached). The video capture unit will record whatever channel your set top box is set to.
If you don't have a set top box, then you'd probably want to look at this SiliconDust HD HomeRun Dual TV Tuner
(different from the HD HomeRun Prime). This device will act as a TV Tuner for your computer, but will only record those channels your cable company sends un-encrypted (in the clear).
What channels are sent un-encrypted are up to your cable provider. In my area the only channels sent un-encrypted are the local channels and a couple others. The majority (all) of the channels I'd want to record are encrypted.