Both my ps3 and 360 are the US versions. There is no issue with European HD TVs. SD is a different story, although most SD TVs in Europe (that are not ancient) support NTSC anyway. But you'll likely have a HD one.
PS3: you can play any Bluray games, regardless of region. Game addons though are usually not compatible across regions, so you need to buy the addon from the PSN store for the region your BR disk is from.
BR films region locking is up to the publisher, region free ones will play on your PS3, region locked European ones won't.
PS1 and PS2 games are still region locked for the PS3, if you intend to buy any new titles for those.
US PS3 won't play PAL DVDs, even those that are region free.
PS3 doesn't need a stepdown adapter, the internal power supply is universal. You just need a normal computer cable.
x360: some games are region locked and will only play on the matching region, some are region free. http://forum.xbox-sky.cc/xbox360_regional_compatibility_guide/ is a good listing that includes EU versions.
Region free games work on all region consoles.
DVDs are region locked, however the US x360 will play region free PAL DVDs. (that might also depend on the drive though, mine's one of the last Falcons, whatever went in that).
You do need a stepdown adapter for it.
Not using Live Gold, but my Silver account is still US registered - at the very least there is no IP blocking. Not sure whether new credit card biling address will be a problem, or whether EU MS points cards work for US network, but US cards are fairly easy to get online anyway.
I don't think Netflix is available anywhere in Europe.
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