My experiences with online gaming were great during the early- and mid-90s. But Xbox Live has ruined online gaming for me. The service is great, don't get me wrong, but I generally don't like the attitude you find there. So I tend to prefer single-player RPGs.
Yeah I can only stand voice chat if i'm playing with friends. Otherwise it's incredibly annoying with someone who thinks they're so pro that they trash talk people, even their own team-mates.