Personally I'd be going for the Xbox One and buying a PS5 down the line. It sounds like there's quite a few exclusives you've missed out on, and - while others are welcome to disagree - I haven’t seen enough quality games available for current gen consoles to worry about getting one any time soon. I'd spend some time catching up on older games, then go for a PS5 when they're more readily available and (hopefully) a mite cheaper.