I'd just get the PS3, as it sounds like the 360 isn't for you!..
If you want silence, BR and have a lovely HDTV etc, the PS3 will be fine, it's got the free online play you require...
My mates that like the PS3 sound similar to yourself, they don't mind waiting between games on the PS3 upto now, as they just watch the odd BR film, and download demo's etc, GT5P has a month or so's interest for most people which is about as long as most games last, then you can just buy BR's whilst waiting for the next big title, or wait until christmas time when the value game range is being launched, for the casual gamer that wants an all in one box for the bedroom it's a good thing..
Just to check, you had the VGA lead for the 360? do you use a monitor? If so, just check it's HDCP compatible, if not, then it's a moot point..