Well, everything is tied to your PSN id. If you make a new account you will lose all the stuff you earned on your previous account.
As long as you keep your PSN acc. you will keep all your gear and items. And yes, you'll need PS+ for online.
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even if I swap the Psn here on this site?
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Yes, that won't make a difference. So, why do you have to change accounts? Why can't you just keep your current one?
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Getting euro psn cards for a european psn is far easier in europe, seems PCgamesupply is going to be seeing me often.