Pretty good points, I don't see Live dying any time soon, but the only thing keeping it's heart beating is customer loyalty at this point. I'm a Playstation owner because I'm cheap, but It's certainly nice to see it improving on a service that wasn't always on par with LIVE. Now though? No more lag than live, no cost, and a generally older online population. I, personally, don't miss my RRoD'd 360.
I like the character thusfar.
I don't really see any of those issues honestly affecting a game like Borderlands to any great extent.