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Forza used to be real shitty with monetization. I skipped all of them until I got Horizon 3 on a dirt cheap Microsoft sale because of those shady DLC tactics.

Never cared about Halo because it was exclusive to Warzone and was balanced to prevent pay to win.

I know they’re adding microtransactions to Sea of Thieves, but outside of Forza (which they’ve fixed with the last few releases) they’ve been very good with microtransactions. They’ve embraced GaaS with some of their titles but support them with lots of free updates.