I will always prefer Live games to playing on-line, I have made quite a few Final Tables in Live games, because I do get reads on other players, which help me to get into the money and when I play Cash Games I have sometimes walked away with a lot more money than I would playing in a Tournament.
Playing on-line at home is just too hard to get reads on players, it is almost impossible because you cannot see their faces, or body language, the only thing that you can get a read on is their betting pattern, and that is really not enough.
On-line Poker is fun, I keep the stakes low and play just because I enjoy playing, and I have never made a deposit on any site I have tried, I just use the money I win from free-rolls and go from there.
When the fun Stops, STOP!