Why are people already saying "they are gonna let you download it for free but all the extras will cost"
They DID say some stuff could cost (keyword: some) but if you look at the whole package, there's so much stuff you can do... buying things for your home isn't the biggest feature, there will be public rooms so if you are not into designing your home and all that stuff, just don't do it...
In fact, you can use the XMB if you don't like home.
It seems like some of you are trying small things and make them look important to bash the PS3...