It should be free to play online. That feature should be included with Silver, as Xbox LIVE is run through a peer to peer network, at no cost to MS.
The features that the live subscription fees pay for (that silver users have access to) should be what Gold subscriptions are for.
The fact they charge for online multiplayer is absolute bullshit, as they have no dedicated servers. It's also bullshit the money they get by fooling people with this tactic pays for features available to non-paying Silver users. (Demos, videos, etc)
I only got Gold as a gift. I will not be renewing until they get some damn servers, then it will be worth paying for.
In terms of the community, it's pretty much 80% pricks, who are either achievement hunting elitists, or 12 year olds wanting some chocolate milk, or some fratboy pricks (American supremacists/racists), or some chav tossers.