The problem with what you're asking is that the $40 or less games have all been out for awhile, hence why they are $40. Therefore, there may be some great ones, but are people still playing them online. Without other players, then MP is worthless even if the game is great. The most played games on LIVE right now are Gears, R6:Vegas, Forza 2, Lost Planet, GRAW 2, Halo 2, and COD 3. If you can find any of these for less than $40 (obviously Halo 2 is but it's really old now), then you'll have a large MP community. Other than these, with the rest of the older ones, you may be taking a risk on whether there is a selection of servers or not.
Burnout: Revenge. Awesome community, lots of good people on there. I've encountered only two jerks in maybe 40 hours of online play, some ridiculously low number like that.
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