A lot of the answers here are probably related to how important mulitplayer is to people. I'm much more into single player campaigns but still enjoy mulitplayer to a lesser extent. So for me the value of xbox live is reduced as I'm only an occasional user and it seems like poor value especially as I can play multiplayer on ps3, pc and wii for free. Clearly if multiplayer is much more important to you then xbox live will seem better value.
This generation I can see the point of psn when I get a ps4. I guess as soon as I get a ps4 I will subscribe to psn for online plus all the extra included games for my ps4, ps3 and vita. Great value.
In contrast Xbox one is a console that I know will have restricted functionality because I won't be subscribing to xbox live and the value of the console to me is massively reduced because of it.
PS4's online cost is only acceptable to me because of all the ps3, ps4 and vita added value games etc, without that the PS4 would have been perceived by me much more negatively as I resent paying for online gaming.
