dinom33p
PS+ is required to do some online things. I know it's required for Raids in Destiny. Game manuals/google searching will let you know what other games might require plus for online stuff.
Destiny being worth it depends on whether you like a few things. 1: FPS/shooter games and 2: MMOs. And paying for expansions (everyone is calling it DLC but it's not... it's the continuation of the story kind of like Walking Dead episodes).
If you like racing games maybe look at Drive Club? Idk. Depends on what you like to play. (secret Assassin's Creed hi-five tho ******** yeah man)
Also with PS+ you get 'free' games every month for PS4 and Vita. You also get storage to the cloud and can access your cloud on other PS4s (load saves at a friend's house, character profiles etc).
My word. Do you call this a meal? The chef who made this is a pizza burn on the roof of the entire world's mouth. I agree with whomever called it disgusting. A very apt judgement, that was.