I would love to go with a console as my main platform, I just always have the feeling that Sony is ripping me off with the cost of games and PS Plus. Do you find it evens out in the long run with the larger upfront cost of a gaming PC?
The hidden cost of a gaming pc is the time you inevitably spend keeping it working. The older I get the more I get annoyed by things that waste what time I have left. I game exclusively on my PS5 and XBox Series X and have no regrets about doing so. Every time I spend a few bucks more than I would on pc I just think about how much time I'm not wasting getting it to work at all. YMMV.
I only play single-player and couch co-op games, so I don't pay for PS Plus. As for the game prices, sales are less massive than on Steam but still frequent. Just create your watchlist on psprices.com.
The only thing I really miss is modding, especially quality-of-life improvement mods.