Not trying to sway you one way or the other but to clear up the subscriptions, I have both Game Pass PC and PS Plus Premium. And a lot of people jump to the conclusion that Game Pass has more games when it doesn't necessarily.

You can get game pass for your laptop and it's $5 less per month than the Xbox version. It's $10 per month vs $15. $120 per year on PC or $180 per year on Xbox.

The PS Plus subscription actually has the same amount or more games than Game Pass for less money depending on which tier you get. PS Plus Extra is $100 per year and gives you the same 470ish games as XBOX game pass does for $180. It also includes many of the PS exclusives that are in running for GOTY every year. However, Game Pass has access to a lot of games that are relased on Day one. They aren't usually GOTY contenders or anything but there's value there for some people.

The PS Plus Premium tier adds another 300 games for a total of $120 per year. $60 less than Xbox game pass with 300 more games. It's about 800 games for the price of 2 per year. The caveat is that many (not all) of these games are ps3 games and they can't be downloaded to your drive so they have to be streamed. For some games, it makes them unplayable (input lag) but others it seems fine.

Another thing to consider is access to next gen games (current gen, really). One thing that no one seems to mention is that Xbox Series X/S only has 3 current gen exclusives. PS5 has about 7x that amount, many of which are award-winning. With the exception of Flight Simulator, Scorn (a walking Simulator) and Gotham Knights (also available on PS5), a last generation Xbox One will play all of the same games as Series X/S. You can get a used one for $100. Of course, everything will look and play much better on the Series X but the access to the games is still there.

For me, a Game Pass PC subscription and PS Plus Premium on a PS5 is perfect. I recommend the same for you. Maybe stick with PS Plus Extra but that $20 a year for another 300 games, even if some don't shine, is a good deal. Try the game pass on your current PC and then buy a PS5.

Xbox doesn't have any exclusives. You can play everything on your PC. They aren't expected to have any real heavy hitting, current gen games until next year. The only 2 that I can think of would be Starfield which has a release window of 2023 (my guess is 4th quarter if it doesn't get delayed to 2024) and Elder Scrolls which has no release window at all.

This should give you plenty of time to save up. Ideally to buy a better PC but a used Series X for $350 - $400 shouldn't be too hard to find a year from now.