[quote name='Theoisaboss']Good suggestions......i'm more into the retail games, not so much the XBLA games.[/QUOTE]
i reiterate his statement...so unless you're willing to spend your MS points on retail/games on demand I suggest you buy a retail copy of the game and spend your points on DLC. Games on demend are generally much higher in price than the reduced priced copies sold in stores.
example/recommendation
buy - gears of war 3 (store copy)
spend points on - season pass w/your ms points DLC.