I personally only got PS+ for online play and online saves. They really should do a budget PS+ (call it "PS=" for lols) that is $30 for a year, but doesn't have cloud saves or free games and is only for online play. I've downloaded 3 games ever from PS+ and I don't play them (with Life is Strange being the one exception).

Cloud saves are really useful, but it is so situational that it justify the cost. I pretty much just used it to transfer characters from PS3 Borderlands to PS4 Handsome Jack collection. If my PS4 ever dies, I might be very happy I have all those cloudsaves, but then I'd need a new PS4.