if you don't have the time you can always buy it... usually they're 20% off the MS store if they've been on GP for a while or are about to leave...I never pay $100 per game. I buy physical from major chain stores cheaper or wait a couple weeks and buy it used for like 30%-40% less.
Plus PS5 Exclusives are better imo and GamePass is full of bullshit filler. Its $16 for Gamepass Ultimate a month. Not worth it, I used to have it for a long time and cancelled. Good AAA Non Xbox Exclusives are up for like a couple months or so and then they take them off. They had RDR2 up for like a few months.. You know how long that game is for someone who doesn't play hours and hours everyday? it's a joke!
or just buy it like you normally do