It takes a dedicated person to maintain a gaming rig. Regularly upgrading RAM, graphics cards, CPU, operating sytem, etc. requires a certain kind of mentality and commitment (and finances!), unlikely simply owning a console that requires no such upkeep. And this is aside from all of the other stuff that PC gamers have to deal with as "normal" occurrences, such as crashes, freezes, incompatibility issues, multiplayer lag, and the occasional virus or malware.
On the contrary. To get a gaming-capable PC all you need is a decent (~$80) GPU, anything else you likely already have on your 'regular' computer, there's no continuous upgrade necessary, at least not any faster than you need to upgrade consoles themselves, and at a lower cost (an ATI 5670 is far cheaper than a PS3).
Crashes, freezes and multiplayer lag are all a part of console gaming as well, viruses and malware aren't a problem for even semi-knowledgeable users (and if you aren't, you're dealing with them on your 'regular' computer regardless) so the only advantage is that you theoretically have no incompatibility issues to worry about. Theoretically, because my PS2's memory card somehow fails to be recognized by a couple games I own for some unknown reason, though generally speaking you're correct.
And indies are thriving now more than they've ever had since the days of shareware, just look at Torchlight for God's sake, all thanks to the enormous success of download services. Sure, most indies don't get much (if any) coverage on 'mainstream' gaming websites, but we all know how much *those* are worth (ie, zero). So no worries on that front either.