Zune Thoughts: The Zune Points System: Love It or Hate It?

In all of the early reviews of the Zune, common consensus amongst reviewers seemed to be that the Zune points system for buying music was an irritating, frustrating departure from what most people are used to - buying songs, one at a time, for 99 cents each at iTunes. As I read the complaints, I had to wonder how many of those reviewers had an Xbox 360 with an Xbox Live account - because if they had, the concept of points wouldn't be so alien to them. Myself, I quite like the concept of points - on Xbox Live I buy 1800 points and that lasts me for a few months as I purchase games and content that I enjoy. I don't see it as being a "money loan" to Microsoft as some people said when writing about this topic. If anything. this method is easier and keeps the credit card companies from making even more money (which I think they have enough of). The dollar amount we're talking about here is also not very significant - I don't think most people buying a Zune are worried about having $20 tied up in points and wondering where their next meal is coming from.

What are your feelings about the Zune Points system? Do you think it's an OK system? Or do you find yourself wishing you could pay 99 cents per song and that's it?