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Is this one of those "make me feel better about my decision" threads? I can't help you with that if you are talking about XBL since it's hardly worth it these days if at all but a lot of people are trapped in it. I don't consider cross game chat to be a worthwhile enough feature to pay for the service, though a lot of people here know my distaste about paying for such lackluster service already. You should also keep this kind of threads in the MS forums where it's more 360 friendly instead of the Gaming Discussion section, just my advice. I'd just stay silver and pick up a PS3 or game on PC in a home environment for online personally.