Currently Online 
PS5 DE in 2020 was a ridiculous value for the money. It cost $400 including a $70 DualSense. Unbeatable power per buck.
As for subscription costs... Most Playstation gamers don't subscribe to PS+, and many of them only play F2P and single player games. As I said earlier, the value of PC and console gaming go up and down depending on your gaming and purchasing habits. Since the PS4 launched, I only subscribed to PS+ for a total of like 4 months (for Destiny 1, The Last of Us Factions, and Tekken 7). Multiplayer is hardly a factor to me. I downloaded a few games to take advantage of PS+ (Oddworld and Rocket League are two that I can remember).
I have a PC (GTX 1060 6GB, Ryzen 3600, 16 GB RAM, 512 GB NVMe SSD), and the only multiplayer game I played on it was FFXIV and expansions, which did require paid subscription.
Simply put, your question has no universal answer. Your habits and what you want from a game system are the deciding factors, so only you can answer this question genuinely.
