If it were me it'd be PC (1080ti build maybe?) + gamepass + PS4/pro, most sony exclusives run pretty well on ps4 for now and the ps4 is cheap and the ps5 is near peak price and will only get more affordable in a few years. Only games that really feel next gen are ratchet and clank and returnal (which coming to PC, but requires beefy specs probably). Especially considering you play at 1080p and don't care about future proofing.

Series S is also a great gamepass machine at 1080p overall imo. Ps5 does come with that collection of 20 or so games though, some goodies in there. Maybe series S + Ps4/pro? Also do you have a spare controller like an xbox one? Cause that brings down the price if you want to do two player or something.

Ps4 by itself is also still solid option, the new mid tier sony subscription is alright and gives access to some good games. What does the xbox really offer that playstation/pc do not game wise? Halo/gears/forza? How much do you personally value those franchises, that is a big consideration. Although eventually we should see some bethesda (and maybe activision one day) exclusives on xbox, but if you don't care about future proofing maybe just enjoy what is already available.