Well, if you're looking for current gen exclusives (games not available on last gen), Xbox only has 3 currently. Looking ahead, you have Starfield and Elder Scrolls that will be current gen only, I believe. Neither of these have release dates. Starfield is currently 2023 but I wouldn't be shocked if that got pushed.

If you're hoping to play these, you have at least a year to save for a Series X (or, better yet, a PC). If you are interested in playing other Xbox "exclusives", well, you can already do that with your Xbox one.

I suggest upgrading the PS5 now since Series X has almost zero current gen exclusives. By the time they do, you'll likely have the money to upgrade your Xbox.