Depends what you prefer. A lot of people I know are happy paying a small subscription fee to have access to a number of great games for a short period of time (PS+). Yes, it is pretty much renting, but many people just play through a game and then never come back to it again - PS+ is perfect for them.
I am not one of those people. I plan to still be playing these games in 10+ years time, much like I do with my favourite PS1 games. I rarely, if ever, download titles - going for the blu-ray option if it's available (even for things like WipEout HD Fury or Ratchet: Quest for Booty). So PS+ is useless for me.
I also, however, think that XBL Gold is bogus for what you actually get. £30 a year to be able to play online? I do not understand why people just accept it to be so. "BUT HALO, IT'S WORTH IT FOR HALO". Yes, I can see that from your avatar, and I'm sure Halo is a very good online experience, but I can list multiple amazing online experiences I've had on the PS3 that I haven't had to pay a penny for. Just because it's the case for your console doesn't mean you should simply accept it to be correct, at least in my opinion, especially when it's so different from the norm (free online play pretty much on every other system/platform/steam etc.)
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