I don't buy more than two new games in a year which is why Game Pass has been great for me, now I play many more games and a greater diversity of indie games now that I can try them without committing to a purchase. I don't replay games so not owning them isn't a downside for me.

I'm willing to spend $20/month on Game Pass as an ongoing expense but never did feel great about spending the equivalent $60x4 on four games I could keep.