To be fair PS+ only costs £39.99 a year (the price of 1 newly released game) and you get 5/6 games every month. That is exceptional value it's too much to expect to be able to keep them without a subscription.
How frequently do you get games on Xbox with Gold ?
if you someone who can only afford maybe 2-3 new games a year, thats a lot.
Only if you don't renew your subscription at the end of the year. Your logic is backwards there I think. You need to add in the provisos you are making for a statement like that, otherwise three free games a month as long as you remain subscribed, is better value than three bought and permanently owned games a year.
Unless of course you are a gamekeeper, or (strangely) your stated aim is to own three games after twelve months and never buy anymore?
The only downside is choice, but then three game per annum beggars can't be choosers can they?