Two shirts for goal posts, an online community you gotta yerself a game.
Its not a bad spending of points its just you won't be unlocking all those achievements over night and your first goal will probably come from playing as Brazil vs Wigan or Fulham (who were are arguably still are a Division 3 rated team). Its just bad they haven't added Cannon Fodder to Xbox Live. So much of Xbox Live just feels a bit random, and I'm not going to even speak about the movies available.
Get SWOS if you liked playing it, its worth it, and avoid it if you just think you might not like it, because you probably won't.