I find ESO's combat to be inferior to this one, and by quite a bit. It's pretty bland.

The housing is superior, and the open world is leagues better than XIV's. Quests as well.

XIV has, to my knowledge, the best crafting system in any MMO (though it's a bit underutilized). And the story is great. It also has something that no other MMO has: a 30 year history of fanservice to deliver.