How many games do you need in your life, though? I'd say the top 500 games on the GoG catalog would be more than a lifetime of gaming. That's not even including open source or rom sets.
If a platform tries to take advantage of you, it's worth trying to change the platform. If you have no chance of changing the platform, you should cut the platform out of your life. I'm not saying "oh, just don't buy new video games" I'm saying "you may be faced with a choice where you either acquiesce to Microsoft's business model, or you do not buy new video games." If you were really faced with that choice, what would you do?