I think the difference in poker depends on the other players pocket books as well...
I sit around and play when there is over $5000 on the table at a home cash game, but everyone playing works or is frequent to a casino and the money comes and goes as a lifestyle, making the atmosphere alot easier to lose $100-$300 a hand in and the play is much more aggressive and methodical.
I play a similar game with a bunch of friends from college and we don't see more than $200 on the table and losing $20 a hand is painful to most, making the game tight and a lot more ALL IN's (tilt factor goes through the roof a lot faster in this game).
As far as a ring game online, I just dont touch them anymore 1. the edge of reading people goes down 2. it just is boring to sit in front of the computer screen, so I don't have an input.
Similarly with tourneys, sitting in a loose atmosphere, makes for aggressive and loose playing where players play each other. Then there is the tight atmosphere where everyone is strictly there to make money, and the play is much tighter with a lot of all in's preflop and no real player reads happening.
Just my 2 cents
-bycgan