The used game and DRM restrictions are more or less the same between the two consoles. The only real difference is that Sony shifts blame to publishers/developers. They said that their own first party games will have no restrictions, but outside of that, all third party games are subject to the developers' will. And if you think that a developer is going to limit their opportunities to sell on one console or the other by treating their titles differently on an individual platform basis, you're probably wrong. If Bungie, just for example, decides to charge fees on used XB1 copies of Destiny, they will do so on PS4 copies as well. So the differences will probably be pretty minimal when it's all said and done.
Neither console has stellar exclusive game lineups. And no matter which console you choose, there's always going to be a game or two you're going to be disappointed you are going to miss out on. It's inevitable. So unless there's that ONE franchise (Halo, for instance.. although by the spiraling popularity we've seen in the last 2 or 3 iterations, depending on who you ask, might not be as big of a deal as it once was) that you just absolutely can't live without, then there's not going to be a huge difference between games, either. Most major titles are hitting both consoles.
So really what it comes down to is where you personally place value for the next console. I, personally, don't game NEARLY as much as I did a few years ago. Maybe once or twice a week. Sometimes I'll go more than a week between gaming. It happens to a lot of us as we get older. And in gaming less, the online check-ins become pretty much a moot point. If my internet goes down for a day, and I'm unable to game, I'll live. Hell, chances are I may not have cared to game that day anyway. For me, I really have to weigh those features other than gaming pretty heavily. And in that market, XBOX wins handily. No question. They offer many more services than the PS4 does. It's just the plain ol truth. ESPN, HBO Go, Amazon Instant Videos, and Vevo, just to name a few of the big ones. Top it off with:
-300,000 servers primed with shifting the console's workload to the cloud so that they can create larger, richer experiences on the fly
-Great social overlay on top of my cable box meshing gaming, tv, and all other forms of media seamlessly
-Smartglass integration with games (anyone see the demo for The Division?)
-High-tech Kinect 2.0 that so insanely advanced, accurate, and has ridiculous untapped potential down the line
-The promise of fleshed out home automation systems in the future
For someone who is considering dropping several hundred for a new console, but doesn't game as avidly as in the past, and this thing is supposed to last me for 5-8 years.. hell even a decade, the choice starts to become pretty clear. Things can definitely change between now and Christmas (when I plan on getting one of these), and I'm definitely doing my research and keeping an open mind, but right now I'm definitely leaning XB1. The PS4 just hasn't done much to sway ME and what I need.