Okay, I've been too cheap to pay for an xbox live account. But, I want to play forza (fourza) online with you guys! What's the best way to get started? How do you find people in fourza once you are online? How does the whole car/garage/mods/etc thing work online? I've just messed around a bit with freeplay, and gone like halfway through career mode. I'm pretty much always beating the AI, but have no idea how that compares to online play.

Opponauts, clue me in!

Thanks!

Edit - Followup question - in the career mode I have to pay for car damage. What about online? Am I paying for BS caused by other racers? Also, how does it affect things like 'loyalty discounts' and crap like that which you see in the career mode? Or is there no such thing online?