Agreed. You needed PSN+ for multiplayer games. That was the only reason I would get it. Same with PS4.
I believe with PSN the "free to play" games no longer require PSN+. So warzone, overwatch, destiny should be free. Call of duty (MP) however still requires the PSN+
On XBOX you need to pay. However my experience is that its totally worth it. If I play cod from house on XBOX, the network is flawless. If I play on my PS4, same game same maps it sketchy as hell which is why I'm on XBOX all the time now.