No you don't get a deal for Homebrew as you are not allowed to share that stuff with other X360 owners. It allows you to create games for you, but does not give you the license to spread this to other owners (for that reasons you can not transfer it from X360 directly to other users)
Correct, Not every X360 owner. But anyone who has a creators club license is capable (and allowed) to share with other CC owners. But for windows development it's all fair game to distribute your game. X360 isn't the ONLY platform for XNA (and imo, not worth developing for unless you're going commercial). People keep focusing on the restrictions of developing for the 360 instead of Windows for some reason...
...To each his own I guess.