PS Plus was awesome for me when I had to send my PS3 in and all of my Saved Data on my games stayed in-tact. The discounts, free PSN games, etc. are also quite awesome to have too. As for games you bought in retail, you shouldn't worry about it. You have a nice physical copy of the game to play with which is worth the price you paid for it. (I try to avoid games that I may get disappointed with, so I usually always end up with games I would enjoy with maybe only a couple or so letdowns).
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