i paid for the Essential Game Pass (which has only 50 games) because it was already expensive lol. 400 games is only for Ultimate and in my country, the prize of Game Pass Ultimate i could use to buy like 3 games, so for me it doesn't make sense pay for play a game which ain't even yours because at some point, you'll want to return to that game.
So yeah, pay a monthly plan just for play the same Call of Duty/FIFA bullshit every year, is pretty idiotic lol