The albums I'll most likely rate are the ones I own phisically, because I tend to not listen too much to an album I still don't have so that I can get it at some point and still enjoy it regardless of how much I pay for it. But then again, I only hunt the albums I really like, so like other people, my ratings tend to be high (though
I will not ignore rating bad albums)
For me, a good average album is around the 3.5 mark, with my main criteria being how much I enjoy an album overall (say, if a really good album has a garbage track I'll still rate a 5; case in point,
deathsmiles). However, lately, I'm starting to think about considering other factors (good performance, sound quality, good compositions even if I don't enjoy them that much) and shifting my ratings slightly more towards the center.