Fair enough. I somewhat understand the ownership angle, but just come down on it differently I guess. My reasoning is that if Microsoft goes tits up my entire gaming library on Xbox is toast, both what I “owned”, and what I had access to via gamepass. You used to be able to mitigate that entanglement with physical ownership, but more and more that’s just a key to digital access as well.
That said, our habits are definitely different. I can’t recall the last game I put four digit hours in.