I think I too am leaning towards Tiger Woods.
It's really a shame Def Jam scrapped it's online mode, because if it were online I think I would pick it over TW. However, as it stands now, Tiger Woods is online, and given the amount of customization the game offers (plus a superb create a player), it makes the ability to go online really extend the game.
Def Jam apparently also has a great create a fighter mode, and lots of customization, but the fact that it was originally intended to be online, and isn't now, makes it a little bit of a letdown.
Lastly, I agree on Burnout 3. I picked that one up the day it was released and it's incredibly fun, and also very addicting. It's also another game that is superb online.
EDIT: IGN just put up their Tiger Woods 2005 review, and gave it a 9/10. The full rewiew can be read
HERE.