If I wanted to play games on a PC, I would get a PC, not a console. I'm talking exclusively to console here. And out of those exclusives you mentioned, the only ones that stand out to me are Uncharted and MGS. I've played all the others at my brother's house and they weren't worth paying for the system. I'm not saying the PS3 isn't a fine system, I'm not saying it doesn't have any exclusives, I'm just saying that I think the 360 has more exclusives and generally higher-quality exclusives than the PS3. And besides, if we were judging these systems by exclusives, then we'd have to consider the Wii as the best of the gen by far.
Also, I have one question. What's the difference in buying 1600 Microsoft points ($20) at a store and a $20 PSN card at a store? In order to use them all, you have to use the exact amounts. Basically what I'm saying is that for a customer without a credit card, PSN money works exactly like Microsoft Points.