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I think it does sound like they don't offer a good product/service. I hate intrusive DLC practices so that gold pestering would really anger me. Fable 3 had that aswell with weapons that require you to pay for online to upgrade them.

Microsoft can be way too agressive. Not that Sony or even Nintendo are perfect, but they certainly aren't as intrusive.
Also, on the PS4 you can start a game without the update (though you do need to install it fully on the HDD. I'm shocked that that isn't the case on the X1. It does sound quite bad. Glad i dodged that bullet.