I used to buy only Xbox. I specifically hate buying into exclusive markets, and back in the day when I was getting started on gaming, xbox was the only real functioning online service outside of PC games with server managers.
Playstation took a long time, like late PS3 maybe even into the PS4 era to have a legitimate online network that wasn't being hacked constantly.
Nowadays, I built a PC. Best of all worlds.
Honestly, if you have a PS5 already, why not just save up for a PC? Use the money that would have gone to buying an XbX and buy a graphics card. Just slowly buy your way piece by piece.
It's so worth it, but that might mainly be because I'm pretty techy and can run every emulator under the sun and rig custom dedicated servers while managing mod lists.
It's not too difficult, but it might have a small learning curve.