Personally, I've gotten very little out of Games with Gold or PS+ because I've already owned easily 90% of what's being given away that I'd have any interest in. In Games with Gold's case, it's because I bought a ton of 360 stuff in the early to mid generation. In PS+'s case, it's largely because I buy things on Steam and PC games get deep discounts and bundles all the time. I definitely prefer the ownership model to the keep-subscribing model, but for me both of them have been pretty underwhelming in terms of cash value. I renewed my Gold subscription last year for $40 specifically for GwG and discounts and I am certain I have not gotten $40 out of it. Which is fine, for a lot of people the online is worth it and the GwG is more worth it and whatever, I'm not going to pretend the whole earth should revolve around me. I just mean that personally I'm not likely to renew as a result.
In order for GwG
Fable III: Bought it day one for full price
Defense Grid: Got gifted it on PC on Nov 29, 2010; the person who gifted it to me paid about a dollar at the time
Assassin's Creed II: Paid negative money at it for launch (bought regular edition for $29.99 at a launch promotion, traded it for $37 a month later, used trade credit to get deluxe edition for free, kept game and sold the tin and action figure)
Crackdown: Bought in mid-2007, didn't record price
Dead Rising 2: No interest
Dead Rising 2 Case Zero: Bought Mar 2013 when it was on sale + had discounted MSP, so spent ~$2
MtG 2013: No interest
Rainbow Six Vegas: Thought I actually got this for free, but apparently bought it on Steam in 2011 for $3
Might and Magic: Clash of Heroes: GwG! Yay!
Halo 3: Got given it as a gift in 2007 when I got a 360.
A World of Keflings: Fiancée bought it day one
Iron Brigade: Bought it the first time it went on sale, using discounted or free points, so maybe paid $5
Gears of War: Played it on a friend's copy before I owned an Xbox 360.
Shoot Many Robots: Terrible, didn't even bother downloading it for free
Sleeping Dogs: Got given it as a gift last year
Lara Croft and the Guardian of Light: Paid 7.50 in March 2013, using discounted points so paid less
Dead Island: Paid $3.75 on PC in May 2013
Toy Soldiers: Cold War: No interest because I haven't played Toy Soldiers 1, which I got for free on XBLA and also for free on Steam
CivRev: Bought for ~$20 on 360 in July 2008, also bought for $15 or so on DS in August 2008, and bought for a buck or two on iOS in 2009-2010
Dungeon Defenders: Terrible, but I also got it for a few cents in a bundle at some point on PC with all DLC
Hitman Absolution: Paid <$5 on a GoD sale last year
Deadlight: Bought day one.
Like I said, I haven't had better luck with PS+ so this isn't a critique, just a note that there probably exist others like me for whom these programs don't really work.