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Honestly I would just expect developers to cater to the lowest common denominator. In this case expect both loading screens to adjust for slower SSDs in the XBX and lower graphics/resolutions to adjust for the PS5's lower power.

Though it will be easier to adjust for power than to adjust for loading screens and what not I believe, so maybe games will look a bit better on XBX but I do not think it would be a breaking point for most consumers