Oh, I wouldn't pay for XBL, either.
Paying for online services is for people who don't have a gaming PC. Better graphics, mods, and free online for the price of a PS4+1 year of PSN.
There is no reason to pay for Online. There are no exclusives worth a damn that require online (though this may change with halo 5)
In fact, if FFXIV required PSN I probably wouldn't have bought a PS4 at all. Lol. People who continue to pay fer this shit service month after month only justify Sony's crap. Lol
It's worth the $4's for the 6 games a month they give you.