Your assuming people want the online play when your tallying up the comparative prices of the 360 and the PS3.
Also, don't forget that you don't need the $100 wireless adapter, you can plug the console directly into an Ethernet port using the included cable. Saying that games for the PS3 are "$0" is also a load of crap. Sure, maybe you can pirate them, but were talking about the average, law abiding citizen here.
As for the online services, I believe you truly get what you pay for. From the PS3 you get second life, from the Xbox360 you get a well developed, reliable game matchup system with plenty of depth and a large selection of players.
I love how PS3 fanboys always tote all these rather useless features on their console like a media card reader or built in this or that, and how 360 owners have to pay extra for them. Well, I applaud MS for making those things optional, not all of us need, nor wish to pay extra for Blueray playback or any other feature.
PS3 seems to be doing a good job at being anything but a games console. The lack of compelling exclusives also weakens it's allure.