Personally I'd just dig into Game Pass and go from there. Sea of Thieves, State of Decay 2, most of the Halos and soon Forza Horizon 4 all included for starters. Then EA Access if there are titles you might be interested there. The latter is not exclusive, but cheap access to games you might not have messed with otherwise. For example I like playing the my player mode in sports games, but I'd never spend the money on NHL, Live, UFC etc.
With Game Pass I've been playing so much random stuff - including a number of Play Anywhere titles. That's the bulk of my console gaming, the rest is PC, especially w/ Madden being back on PC.