I'm not even sure what it means to not get the achievement points. It doesn't sound like something that concerns me though.
I do not have XBox Live. Well, I have the - what is it - basic version. I don't pay for it and I can't play online. I don't really even play that often; I just never tried to justify spending the $$$$. I never even tried it during the free month I got when I bought the 360.
achievement points = a goal met in game bring up your gammer score E.g complete game on easy. Its a way for really good players to say "hahaha my scores bigger than yours" and basicly online version of a pissing contest. I have another profile for live with 0 points and i dont want any as i dont like the bragging thing.
justify spending the cash - Your paying for the servers to play the games and use vc (and cam when avalible) very fun playing online. like if people on here were to play together online it makes a friendly , fun no bs enviroment to chill play games and hang out. Also find people to challange you if your looking for a challange on live.
dont need to pay every month just pay once a year and its like the price of a game for a great service.