The correct answer is wait for Game Pass! /S
I actually chose the first one. I'll take full budget games at $60 US. I'm always hooked up online so really I shouldnt care about that part, but you never know maybe I'll bring my system to my bedroom one day while not wanting to do a wifi hook up. I remember getting Xbox One in my living room (wired to a router) and putting my 360 in my bedroom (wireless) and it was never stable. I dont know if it was my router range or shitty 360 wifi, but I just played offline SP games and indies as trying to play COD was a waste of time there.
Dont care if a game has mtx or loot boxes. If other gamers want to buy them let them. Online shooters I play are competitive enough it doesn't make any difference to me as I play them with zero mtx bought and still do well and have fun. So people buying loot crates or mtx cant be that bad for game balance (at least I never noticed).
F2P sounds great on paper as being dirt cheap $0, but most of these games I stay away from as they seem skewed to MMO hack and slash grindy games I never play, or BR modes I dont play much.
I trend to WRPGs, normal sports seasons, and traditional shooter modes which are full budget purchases. Now if any of these were were tested as F2P, I'd give them a shot.