Just do what I did at the news of bethesda, inxile, and obsidian being bought /assimilated by M$.
I built a new gaming pc. My old rig was a 3.2ghz i3 8gb ddr3, and replaced the gpu to a stop gap 1650 super oc card earlier in the summer.
I built a Ryzen 5 3600 @4.2ghz, 16gb ddr4 3.6ghz (which boosts the infinity fabric to 1.8ghz), a 512gb ssd (for windows and games that need it) , 2tb HD, b550 mobo with wifi6, pcie gen4, a evga 500 watt psu, thermaltake h18 versa tempered glass case and 4 fans. All for under $500.
I did this because I couldn't get a ps5 pre ordered and baldur's gate 3 needs quad core plus. My old dually i3 wasn't going to cut it. I threw in my 1650 super and I get max fPS in all games @1080p.
Now I can play all those elder scrolls games, and such if they don't come to ps5. I will still buy a ps5 when it's available. Add to that my existing switch and I am set for everything, console, pc and portable. No xbone 2.0 required.
To me this is the killer combo. I did the same thing at the start of ps4 and didn't even think of upgrading pc until now. I probably could of waited longer but the new reqs and bethesda news had me pull the trigger. It's also easy to hookup your pc to a TV if you want couch action.
So like you I have 200plus games just from ps plus alone, not counting games on disk and ones I bought on psn. I'm not throwing all that away as I never finished most.
I think what Microsoft did was anti consumer and crap. I get its a good business decision but I care not about their business, especially when said company gobbles up other companies like a shark.
If you buy an xbone2 sure you will get the bethesda games but you will miss out on ps exclusives, past catalog, and great pc exclusives like mount and blade 2, baldur's gate 3, all the paradox games, indies and best versions of multiplats.