You can get online multiplayer for all games on PC for free so if you want to play Microsoft's games but value not really playing for online multi there's an avenue for you that covers both bases. I quit paying for Gold like a year ago. I'd rather just use the PlayStation for console online multi. I only really get single player multiplats or Microsoft games on their console at this point. Hell to be honest I haven't played my Xbox Series X since a week after it came out. It wasn't worth playing for Gold and PSN and since PlayStation is my primary I went with that.