I have a gold account and I don't mind paying the yearly fee. XBL offers alot more. Just my opinion. PSN even with trophies and in-game XMB is still light years behind XBL.
Sony still has to add more content. More videos, demos, downloadble content, etc. I go in to the Playstation store and it's like walking in to a place that just opened its doors. They have good stuff but selection isn't as good as the place that has been open longer I'll know I'll find what I'm looking for.