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I think you mean free games* vs. dedicated servers**
*You have access to a rental library that you pay for and lose all access to that library when you stop paying
**If 3rd party devs spend a little more money to give everyone a better experience (fat chance). 1st party games are pretty much guaranteed dedicated though.
And the "free" games aren't really that bad of a thing. Sure, they're practically rentals, but getting a free 1 month rental bonus for having a service is way better than not really having any positive bonus whatsoever.
The game remains yours as long as you have PS+.
It does? Wow, I'm a little surprised that I didn't know that. Well, that's obviously better than just having a game for only a month. Thanks for the tip.