You've pretty much answered your question. Stick with Xbox. It's simply the better choice for you. I have both but prefer the PS4 over Xbone. I have friends that are the other way around prefer their Xbone over PS4. Your characters will transfer from 360 to Xbone but not to the PS4. You don't have to get a PSN account. There's going to be backwards compatibility this Xmas. The choice is yours and don't look back. Good luck!!!