Once on PC, once on Xbox, another time to get the remastered special edition, and finally on Nintendo Switch and I had zero regrets tbh. I even played switch and xbox in parallel when I traveled more.
If you just want another single player Fallout game, this game is a steal and has no monetization problem. What I can't do is build up a camp using a lot of different trinkets from the store, but luckily I don't care about that.
I've played Forza Horizon 4 for a while and you can buy cars in that game, but you earn enough points that they all become pretty cheap after only a few hours in the game.