As far as the One is concerned paying for the online works out far better to your advantage. First you get at least 3 games per month between 360 and the One. Secondly you can find a years worth of Gold for $35 several times throughout the year easily ( I have never paid more, since I stock up ever few years) so you are only paying on average a few bucks a month. Thirdly you get weekly discounts on Arcade games and digital retail games and DLC at heavy discounts, usually 50-75 percent off. Lastly you get a much more reliable and organized online experience with far more people on and activity.
Even if you never purchase one game in store or online, you can still get easily 30 plus games for free each year, and with the bundles being offered during these 2 months by MS and the black friday ads actually being better with sales than the Wii U I would have to disagree with the Wii U being the better value.
Plus you get a far better diversity of games since the Wii U is putting out little more than platformers, a couple hack and slash games, and it's generational installments of kart racing and Smash.