If you can't afford a PC, get a Series X. It performs better than the Series S. It also has more memory and accepts disks. Buying the proprietary memory expansion for the Series S brings the overall cost close to the Series X. That plus the long term savings from buying disks over digital will likely make the Series X a cheaper and better performing option over the course of the generation.

Again this only if you can't afford a PC. Xbox doesn't have any real exclusives. PC gives you access to Xbox games, PC games, mods and household utility.