No worries bro. Feel free to ask we were all day 1 ps4 user once.

Yes. You need ps+ for Overwatch or any ps4 multiplayer games. Some game you can still play solo mode without ps+ But for multiplayer driven game like the division, final fantasy a realm reborn or overwatch you will need ps+ to access it's online game content. There are a few lowyat traders who are selling the p.s.+ at a cheaper price. Or you can just credit card purchase it from psn store. Hope this helps.