yeah it sucks
on the other hand the sub fee is still worth it for the better online. if they were flashing commercials when you booted your 360 or something it'd be awful but it sounds like nothing that disrupts the playing experience.
if any console next gen has free online and quality online intersect, that'll be sweet. right now it's quality online with 360 that you have to pay for and with ads, or not as good online on PS3 that's free. the difference in online quality is pretty noticeable.
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http://www.youtube.com/watch?v=npHDxSvwCE0