I can't talk regarding stability or reliability, because I don't have Xbox One or PS4. I can however speak for affordability though. I believe the Xbox One is $500 while PS4 is $400. You'll also have to pay $5 a month to play online on Xbox while Playstation 4 is about $4.16 per month. That is if you buy the membership cards at Gamestop for a full 1 year's worth of membership to either Xbox Live or Playstation Plus.