Haha. I knew this was directed towards me. LOL. Except for visuals, there's not much of a difference between Xbox 360/Xbox One and PlayStation 3/PlayStation 4.
I played and completed Black Flag on PS3, Xbox 360 and PS4. Except for more foliage and better visuals, I can honestly say that you're not losing anything by playing the game on Xbox 360 or PS3.
Literally, all games that have been cross-gen have been nothing but visual differences. Everything else is basically the same. Games like Witcher 3, Batman: Arkham Knight, etc. is different because you can only play them on Xbox One or PS4.

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