In response to feedback, we've simplified (and lowered) the number of download credits required to download something.
All assets now require 1 DC for personal use, or 2 DC for commercial use.
All templates now require 2 DC for personal use, or 3 DC for commercial use.
Again, these numbers probably aren't final. We're going to have to see how things go. But we definitely want to allow people to download as much as possible.
EDIT: We have also decided to change the "price" of Templates with an attached PSD file to 3 DC for personal use and 5 DC for commercial use. This simply seemed to make sense, given the fact that templates with attached PSD files are generally much larger and more elaborate than PNG templates, and they consequently cost more to host and transfer.
For an up-to-date list of DC cost, please see the download credits support page.