and to answer your question buy a ps3 now and then trade (or ebay) it with unwanted games for ps4. I also wouldn't look into the next gen (or even the one after) just yet.
ps3=better harddrive
better surround sound and crisper graphics (blu-ray)
the ability to play ps2 games (the best rpgs in the world)
better bloody controller!
no internet fee at all
the list goes on
OK Take this from me, I've had Xbox, both original and 360, I've had wii, and now I have ps3. Ps3 is the best! We get games that other systems don't! Only ps3's get em! They are good games, btw! As Frenzal Bop said, after your finished with the ps3, when ps4 comes out, trade em or sell em, and you can put money towards ps4 or whatever you want!
i won a wii but i dont even play it. ah well i get my plasma and furniture delivered today so i might set it up... about xbox's i just remembered my ex friends blew up several times, so im leaning towards ps3 now too and plus they look better you dont have to buy an "elite" for it to be black 8-}
