STEEM:SP really is 1:1. Every STEEM you 'power up' gives you 1 SP, and every SP you 'power down' gives you 1 STEEM.
Of course, the 3 month power down period does mean your STEEM may change in value significantly as you power down.
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Yes, sorry for the confusion! I bought STEEM for 1500€ 2 weeks ago and powered up - of course I got about 500 STEEM back then and this is also 500 SP - I thought I had got 1500 STEEM, which is of course not true. Ok... now everything is clearer and "easier" then I thought.... Nevertheless you can never say, how much your account is really worth - you could only say, how much you think your account will be worth 13 weeks from now, which makes this a little bit like fortunetelling ;)