Since you don't have a 360 already, you're already very far behind. Unless you are some kind of power gamer who plays more than 10 hours every day, you'll be hard pressed to finish all the games before, say, GTA IV comes out next year. And, with rumors of Gears of War 2 coming out next year as well, that online will keep you busy for a long time.
Even after you've finished all the single player games and campaigns, multiplayer still looms ahead. XBL always has people playing most online games, so finding matches is always easy.
Honestly, unless you have money to burn or simply hate life, don't get a PS3.
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