Although there is no evidence of this, i personally noticed some truth in what people are saying about search engines using the keywords that their spiders find in the domain name (URL) of a website as a part of their ranking formula. This as you can imagine may be just one of the factors that rank you and may even be just an illusion, Don't compromise a nice domain name, If the keywords come in the name naturally it would be a nice thing, if the non key worded name sounds much better, don't go for the one with keywords.
 

One more reason why you should not compromise a nice sounding domain for one with keywords is that you can implement this strategy with file names, A file name is part of your url, while the start page will always be names index or default (almost always) you are free to name all the other pages with the keywords of your choice. this is covered in (File/Folder Names - Page number 09) page of this guide.