Kinect >>>>>>>>>>>>>> Eye.
If money is the huge issue, you should clearly go for the PS4. Free PSN, no add-ons, tons of marketplace games you can get for cheap, and if that's you, great. Ill get the xbox one and play the exclusive games i prefer, i'll keep paying $5 a month for a service i deem to be worthwhile, and the entertainment stuff to go with (espn, fantasy info, skype calls, etc) are going to be something i use quite a bit.
Honestly i am not going ps4 for the exact reasons most of you are. I've had a ps3 before, and i know PSN is dogshit. I bought a ps3 and only played uncharted, a little of god of war (didnt get into it) MLB the show (the only reason in my book to get one) and the Playstation move frolf game. I got toejam and earl (Sega Genesis game you can play online with other ps3 users) only to find out they dont have fucking party chats. If you have gamed with me, i'm sure you've heard me cry about how important being able to talk to other people are.
To me it's simple. XboxOne is for people who are constantly connected to the internet, want to game/chat/watch tv with people who aren't in the same place as you, and enjoy the xbox exclusive game market, while Ps4 is for people who mostly game solo, are too cheap to throw out a beer and bag of chips worth of money once a month, and for those who pretend sony isnt the exact same kind of devil Microsoft is. I have 0 problem being one of very few who get xbox one here, as almost everyone i know IRL is going xbox one.