I purchase almost all of my PSN and XBLM money through cards in stores. None of these are taxed, but everything I buy on PSN is, so I need to always purchase more than I need. Like if I want two $10 games, each will come above that price to maybe $12 each, so the standard $20 PSN card is useless.
Plus, Microsoft gives out free MSP all the time, so even if it is annoying to have like 20msp left at any one time, it is constantly changing.
My biggest problem with the PlayStation Store is that I think things are way too hard to find, even if it has more searching options than Wii or Xbox 360. It all gets cluttered so fast. I would also like to use the XMB during it, but I guess it is not a major issue.
I love how you can get bundled stuff, but it seems fairly glitchy. I got the Sonic Birthday Pack and now Sonic the Hedgehog 2 will not show up on my purchased or download list, so I have no idea what to do with that.
Also hate how shitty the XMB is in general. Why can I not arrange my games/movies/photos the way I want, or at least alphabetically? You can make folders, but they all go by the date downloaded, so that quickly becomes useless. If they would at LEAST let me be able to edit the date I could fix this within minutes. Also, still no cross game chat? Really?
I plan to purchase way way way more on the PSN than XBLA moving forward, simply because I still have the 20gb HDD Xbox 360, and I seriously hate deleting, then redownloading stuff in the future.