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It still definitely worth it without a gold membership. I have a gold account but I really only use it for playing a few games with my girlfriend when we're not together....stuff like Peggle, Culdcept Saga, Soul Calibur etc. I rarely play shooters and have over 50 360 games. I did do the Halo 3 campaign online with friends when that came out which was fun.

It's worth it for the exclusive RPGs and JRPGs alone IMO. RPGs are my favorite genre though.