There;s really nothing 'special' about it. I mean, sure, it can be worth the money if you're hardcore into online play and all your friends have it, but it's really not worth it.
My PC can do everything my Xbox can do, but free of charge.
The basic PSN network gives me equal play (though less chat features) free of charge.
The Wii online sucks but it's free, too.
I just can't justify paying the price of a game to use a service I not only don't need, but would rarely use since I don't play much multiplayer. I enjoy singleplayer experiences much more than listening to obnoxious, ignorant, racist 13 year olds any day. Once my friends all got PS3's and ditched the 360, life got much better for me. Even when I DID play online, I only ever played with friends, never EVER with randoms. Ever. I ended up muting 75% of the people I ever played with, which is unacceptable.
Honestly it's just not worth it. I like me some X-box, don't get me wrong, but I refuse to pay 60 bucks a year just to play multiplayer when I could easily use that money on a whole new game or buy Call of Duty on PS3 and play free of charge.
My Console Library:
PS5, Switch, XSX
PS4, PS3, PS2, PS1, WiiU, Wii, GCN, N64 SNES, XBO, 360
3DS, DS, GBA, Vita, PSP, Android