The only thing I'll add is that there's a lot more bad lagers out there than there are bad ales. Partly because most cheap beer is lager and partly because lager (especially pilsners) is hard to get right.
Lagers are very difficult to brew and challenging to store. Compared to most ales, they take a lot longer to ferment and there are a lot more steps, with diacetyl rest, and the lagering temps.
What bothers me about a lot of lagers is the use of green bottles. The photo reduction leads to a lot of the skunky off flavors, especially if it's not as fresh as possible. Temperature changes during the transportation and storage phase can also lead to more off tastes.
That being said, I'm much more of an ale guy since most lagers tend to have a somewhat limited palate.
Good beer dosen't need to be cold, all that the cold does is deaden your tastebuds, this is why bad beer is usually chilled, makes it harder to notice the horrible taste.
It's true that colder temps hide some flaws. I still need my beer a little colder than usual cellar temps, but not by a whole lot.
