Yesterday I bought my first xbox 360 (second hand) just to play Forza 4 so I'm completely new to all this xbox live and points stuff and I'm looking for your wisdom 
I'm not playing anything else except forza 4 so is gold membership worth it??
I'm not a big online player so I don't worry much about that, but will I still be able to buy dlc, play rivals mode and modify liveries with a silver???
That's really all what I'm worried about.
Also, can I buy dlc directly with my credit card or do I need to buy points first???
Thanks
I'm not playing anything else except forza 4 so is gold membership worth it??
I'm not a big online player so I don't worry much about that, but will I still be able to buy dlc, play rivals mode and modify liveries with a silver???
That's really all what I'm worried about.
Also, can I buy dlc directly with my credit card or do I need to buy points first???
Thanks