[I know xp home can connect to terminal servers for 90 days, xp pro forever,] <-- This only applies to Windows 2000 TS. From 2003 and beyond, you need a separate CAL for each XP Pro client as well, since they changed the licensing policies from 2003.
Afaic, you need a separate TSCAL no matter which OS you run on the client as long as you run a 2003 TS or newer.
Beware that with Windows server 2008 R2, the licensing policies once again have been renewed, and the TSCAL's have also been renamed.
More info can be found here:
http://www.ervik.as/index.php/microsoft-mainmenu/terminal-server/2236-an-overview-of-the-difference-between-a-rds-cal-and-a-ts-cal