To be honest, I had a steam account a few years ago, never had a credit card, and don't remember the login in or password. I also made an account via my PS3 with Portal 2, but I don't remember that password and can't log in.
Over the last 2 years or so, I've been picking up games from Amazon instead of GameStop as well. It's just more convenient, along with the other points you made.
I had a blast playing Oblivion and it was one of the few games I got all 1000 points in achievements. Fallout 3 was another game I really enjoyed, although it took me a while to get into it. New Vegas, was okay, I ended up stopping about 15 hours in.
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