First off - you are killing me with the lack of punctuation. A single sentence should not be 15 lines long.
Moving on - There is really very little difference between the two consoles. Yes, you get some exclusives on each console, so if you like Uncharted the PS4 is better, but if you like Halo you have to go XBox One.
The XBox One does have backwards compatibility, although not for all games, and you actually have to download the game so it eats up storage space. I'd still count that as an advantage, but you already have a 360 so you have something to play those games on anyway.
I have some bad news for you though. With either console you are going to have to pay extra to play online multiplayer. PlayStation Plus membership costs $50 a year. However, XBox Gold doesn't cost $120 a year, it costs $60, so it's not as expensive as you were thinking.
In the end, the prices for the two consoles are the same (or pretty darn close), the online services cost nearly the same, and you will have access to most of the same games on both consoles. I would look at a couple factors when making the choice: 1) What console do more of your friends have? It's more fun playing online with your buddies than strangers. 2) Are there any console exclusives that are "must haves" for you? 3) How important is the backwards compatibility of the XBox One? If you plan on trading in your X360, this is a bigger deal, but if possible I suggest that you hang onto the 360 since not all games are backwards compatible at this point.