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Chrizum said:
Wow, great topic, as I am also thinking about purchasing an Xbox 360.

I have one more question though: do you need credit card for gold and for purchasing things on live? What ways are there to pay for gold and for games/downloadable content on live?
 No not at all. Go to your local games shop and you can purchase cards(like top up phone cards). Take them home input the number and wallah, you have gold for a year. Same goes for M$ points, you can buy 1600 points take it home do the same as before and start buying your DLC or Arcade games right away.