These gamers on Xbox Live are 360 Gamers with 360-only Gamertags. This means that you will only be able to play with the fans that move on to the One. The same applies to your 360 games. If you get a PS Plus account , you can stream your PS3 games through the superfast lagfree PlayStation Cloud (powered by SOE-Gaikai). And "highly isolated"reports of BLOD with the PS4 are due to rough handling in delivery. Sony have said that "This is within our expectations for a new product introduction, and the vast majority of PS4 feedback has been overwhelmingly positive," the statement said. "We are closely monitoring for additional reports, but we think these are isolated incidents and are on track for a great launch."
The sales figures of the PS4 are rocketing ahead of the Xbox One with the 8th-gen console era "swing" sliding in favour of the Playstation brand. Indeed, it would appear that the PS4 is the better bet for a person seeking to save such as urself. An official statistic: "the number of affected systems, Sony said, amounted to less than 0.4% of the units that have been shipped -- or less than 4,000 out of 1 million."
And the graphical prowess of next gen games is already showing itself. I understand that you don't see any real difference between a mid-end PC rig and the consoles' graphical prowess but both consoles are proving to be significantly cheaper than gaming rigs.