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I'm glad that at least you knew what your question boiled done to BILL COSBY (360 vs PS3).

I am a 360 fan(boy, some might say) but I choose the discs, because:
- Thus far there has been no installation that has been quicker on the PS3 then the time it takes the average person to get change discs

- You have games like MGS4 that require a repeated installation when switching acts (including those you've already played)

- I trust in my ability to take care of my discs as opposed to relying on installed data (Not such a big issue with things I can reinstall later, but still an issue).

The one negative I can see is that much like during the FF days on the PS1, if you lose a disc, you're screwed.