The lights are on
Burnout Paradise. If you don't like the mechanics, wait a little while and pick up Forza 3. Much better than what GT5 is supposed to be, if that game ever comes out.
As far as shooter snag a used copy of Modern Warfare or World at War or even ODST. The multiplayer disc is fantastic.
I'm not sure how your money situation is but it's pretty hard to expand the game collection these days but you're coming up on a great holiday season for buying games.
Brutal Legends, Dragon Age: Origins, Modern Warfare 2, Forza 3, Uncharted 2, Borderlands, Tekken 6.
Good things come to those who wait.