I use my set-top loop aerial with no problems, but it is on the side of the house nearest the transmitter and I have open fields to the rear. It's wideband (usually a requirement, depending on where you live) and gives almost as good a signal as my main loft aerial.
Some settop boxes (notably the Daewoo) have a good diagnostic screen showing signal strength and SNR. You need SNR > 16dB to work at all, preferable >20. I get 20-23 off my indoor aerial, maybe 2dB more from my loft aerial. I was one of the designers of the part of the receiver chips that are in many of the boxes currently for sale, so I know about these things!
My advice; borrow a box from a friend and try it. It won't need to be re-tuned if they live in the same area. Or go to Tescos and buy a Daewoo box for £55.. you can always take it back!
Colin S., November 2004