This is a step in the right direction, but I still can't believe they haven't figured out how to tie games to accounts instead of hardware. Handhelds are the perfect place for downloadable games because I can carry my whole library around with me on an SD card, but I don't want to buy anything if I lose it all when my 3DS eventually breaks.
If you actually read the article it just says that games have to be available at the same time as on other platforms. So you can't make a game for PS4 and then put it out later on Xbox One. I don't see how this is a big deal, it's not like they are demanding that all games that come to Xbox One have to have an exclusivity period.
If you want maxed out graphics at 1080p and 60FPS you'll need a better video card. If you can afford it, I hear the 770 is a hell of a card for the price. If you don't mind noise you could also look at the Radeon 290. If you're set on that price range then maybe look at the Radeon 270x as well.
Anandtech has a nice guide for this here: http://www.anandtech.com/show/7557/best-desktop-video-cards-holiday-2013
To the OP's original question: just get the one that has the games you want. Microtransactions are not an Xbox One exclusive problem. It's not like Sony won't ever put microtransactions in their games. Besides, most of the games you play will probably be third-party and they will have the same monitization systems on both consoles.
I've been a subscriber since they have had subscriptions and it's scary how bad some of those ads are. It doesn't even look like the same website I see. I'd definitely use Adblock if I wasn't a subscriber.
I'd try GT5 first to see if you like the style of the series. It's regularly on sale for about $10 and I think it's only $20 regularly. While both Forza and GT are simulation(ish) racers they are quite different. I've always preferred Forza, but it probably depends on what you like about these kind of games. GT has always struck me as a game that's more about the cars and less about the racing, while Forza is the other way around. GT will always have more cars, but I've always preferred the actual racing in Forza.