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AvadaKedavra said:

Thanks guys, one more question:

Say I'm subscribed to Game Pass...and I'm playing Gears 5...and I'm mid way thru...kind of get side tracked and I don't finish the game. I now unsubscribe to Game Pass.
Couple months go by, I'm getting the itch to play again...if I resubscribe...is my game data still saved? Do I get to continue again mid way thru and pick up where I left off? Or am I back to square one?

Or for example, say I start Gears 5....I'm mid way thru...I unsubscribe...and I end up buying a physical/digital copy of Gears 5 for whatever reason...do I get to access that save data with my previous Game Pass play?

Hope that makes sense lol.

Sure, the save games are the same for retail discs, digital downloads without expiry date or digital downloads with expiry date. Any combination is valid and additionally to the storage on the HDD the save games are also backuped in the cloud for free.

You can lend the retail disc from a friend, later subscribe to gamepass and use the same save games,
unsubscribe, buy a different retail disc used and use the same save games, 
after that buy the download version on sale and sell the retail disc...