Mod Team and Bat Team
Even if you can get $170 a year, that's free Gamepass. Now stop buying games day one and you're basically playing games almost for free.
I'm surprised they haven't come out with an Xbox credit card honestly that does this automatically. Lots of people would go for it.
But in all seriousness if you made it to 32 without any serious financial issues, chances are you are pretty responsible and you should look into what kind of benefits having a credit card could get you, like cash back, travel rewards, points and other things like that.
If you were 20 I would recommend against it, but I dont see it as a big risk in your case. Just pay it off each month and you are fine.