I once was a playtester (shooters, platform, action/adventure games) and was asked to test the multiplayer part of an upcoming game. Before the actual test you get asked a bunch of questions about your gaming preferences and the devs looked funny at me when I said that I hardly ever play online (occasionally against my brother) and considered multiplayer as two or more people under the same roof. When asked why I didn't play online I gave pretty much the same scenarios as the OP describes.
And just as the OP I'm rarely online on my console unless I need to download updates or an occasional demo.