Quite a few PS5 games were $20 off just a couple weeks ago, so you should definitely be in luck for lower prices by the time you're able to get your PS5. I picked up Ratchet and Clank when it was on sale and working on that Platinum :) which is one of the easiest Platinum's to get too but I do not mind at all because the game is that good in story, action, and graphics! It's pure eye candy also the haptic feedback and adaptive triggers for this game are insane!
I'm debating on whether to get Returnal or Ghost of Tsushima Director's Cut after that. I can only work on one game at a time lol.
Uncharted I'll get on PC.
Ratchet & Clank being one of the few PS5 exclusives makes it a priority for me when I get a PS5!