Party chat was enabled in Steam in 2007, and Steam Cloud Saving appeared the year after that. And it has always been free.
Xbox Live introduced universal chat in 2002. If you wanted chat that was guaranteed to work, you paid the $50 a year fee.
As for PC, I can only talk from my experiences, and where I tried online a few times on PC, it was a nightmare. It wasn't at all robust and trying to coordinate three people, some evenings we never got to play anything. If you wanted to play a game, you had to create an account. Then host a game. Then the others would have to find it. You'd try chat in game and it might work, might not, so then you'd try multitasking Skype in the background.
"Can you see my game?"
"No."
"Okay. I'll log off and you try."
"Right. This is my server and the password is BOB."
"Found it. Connecting. Connecting. Yeah, I'm on."
"Where's Richard?"
"It just keeps dropping me out whenever I connect."
"Okay, let's try Richard hosting."
etc.
That was also true of PS3 on occasions such as Borderland's chat being screwed up in game and never being fixed, and no background-chat mode on PS3 to use that service instead. PS4 is the first console I've owned where online is robust and seamless. For £40 a year, including a couple dozen games, to not have to deal with those online headaches, it's worth it.