I've been playing this since the demo went public and I am totally addicted. This is the first time I've seriously used Steam, and the first game I've pre-ordered!
The experience is (of course) highly dependent on who you're teamed up with. Luckily, most of the 'random' folks I've met seem sensible and intelligent. I think people learn fast and idiots are swiftly dealt with by the AI >:)
After a few runs through on 'Advanced,' I tried 'Expert' for the first time last night. It was brutal, but brilliant. Even dying in L4D is fun, especially when it happens in an epic way, people getting thrown around and crushed by a tank, then the last survivor vomited on by a boomer and torn to pieces by the horde.
It's scary how addictive these two levels are. Imagine 18 more! :)