I would do it. If money was tight I wouldn't want to pay for two subscriptions and I would disconnect the Xbox One. I play the PS4 much more often. Lately I play my Wii-U more than my Xbox One. You also get more for your money in free content with PS+.
Basically I do
3rd Party games: PS4
Exclusives: Respective consoles
"And everyone's Kickstarter has merit." - Malory Archer