Unreal is just way too inaccessible, as an individual, non-C++-veteran (used it a bunch in college, but modern C++ looks nothing like what I've seen), non-games-industry-veteran. It's also fairly opinionated towards first person/third person action games.
And then Unity is of course a dumpster fire. It's much easier to get started and hack something together with, but you'll be hacking and fighting with the engine for the entire project.
Open-source libraries/engines exist, like Godot, but none of them properly support consoles because console APIs are apparently proprietary (??) because the console vendors are apparently stuck in backwards, draconian software practices from 2002.
The whole state of indie-accessible tooling is just deeply depressing.