If you want the honest truth I doubt your going to find it because it's painfully obvious that most people here only have one system and are just lying.
I got a PS3 earlier this year and I have been paying for Live for about 3 years, I still have about 4 months lfet on my gold account ane I will NOT be renewing it. Especially since I play on Steam now aswell.
Both are the SAME, only difference is that Live has cross/party chat and PSN has game sharing and a web browser. MS has no reason to charge you, xbox live is all p2p and costs MS nothing to maintain. Most PSN games are p2p aswell BUT there 1st party games all have dedicated servers.
The only real reason why people pay for Xbox Live is because they only have 1 console and thus have no other choice. Or their friends are on Live, other than that no person would pay for it.
The only thing you need to play online is just high-speed internet, if you already pay for your ISP than there is NO reson to charge for online play, especially when your just playing off someone else's internet (p2p).
Also bear in mind that there are ADS on the Xbox Live dashboard ranging from Car Ads to Deodarant! Imagine how much MS makes from those alone, then ask why would they need to charge? The answer is they DON'T
There is also something called Steam that is ran by Valve and it has MORE features than Xbox Live and PSN combined. But guess what? Steam is FREE!
Both Sony and Valve are smaller companies compared to MS but they still manage to have an equal (or better in Steams case) online service that's FREE.
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