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i have a good answer : Gamepass.
You have acces to a lots of games (Microsoft games day 1) and you can try a lot of games for almost free and even buy them en Swicht if that is your prefered option.
The full Gears and halo saga is available in gamepass plus Forza games so 1 month subscription is worth the money.
Maybe a Series S will be a good option for you.