On the paid cheats (give more money, skip the boring parts you don’t want to do in the game you already paid for) - Hello my friends, I would like to tell you about our lord and saviour, Cheat Engine.
Buy the game, you now own the game. Now open up an inspection view into your RAM, that you definitely own, and look at all the numbers here. You can change some of these. You might even look up where Odyssey stores your XP number and tell your computer to detect when it changes and then put a multiplier on that change to give you an XP boost. Your game, your PC, offline thing that doesn’t affect anyone else. Definitely nothing morally dubious about it.
Maybe you don’t actually have to read the filler chapter of the book that you’re not enjoying and could just skip forward to the next chapter with the characters you do care about. Anyone who tells you you don’t have the right to do that probably can’t claim that you ever really purchased the book in the first place (and should definitely never use language like “buy” to describe a transaction that looks like it is selling such a book if they don’t wish you to be able to do so).
Also I note that Forza Horizon 4 has a paid cheat too (which forever marks every player who uses it with the little crown icon). So reviewers (who got given the $100 edition) are going to be thinking that the game gives you a 5,000,000 credit home and more credits for completing each race than the actual $60 game provides. And players are upset… because the paid cheat used to give them even more of a boost than this in previous games (they also got very annoyed when the same happened for FM7 - the paid cheat got less good and they got so mad Turn 10 eventually gave them a load of free cheat credits and stuff to say sorry for the paid cheats not being cheaty enough or as cheaty as in previous games). So that’s good and fun: the angry gamers don’t seem angry that you can pay for cheats and this is changing the design of games to try and push cheat sales but that the value of those paid cheats may go down in some annual iteration of a series. Everything is fine!
On Game Pass - It’s worth saying this is all about the Xbox Game Pass on actual consoles. On PC then you do get the new stuff but lots of things you’d expect (like some games developed/published by MS and in the service on console) may not be there on the Windows 10 Store. Quantum Break is on Game Pass… except if you look at the Win 10 version on the Windows Store as that’s not. Gears 5 is on both; Gears of War: Ultimate Edition is only on consoles. And the Windows 10 Store page for Game Pass lists every game, including the Xbox ones. There isn’t actually an easy way on that store to just get a list of Game Pass games that run on Windows 10. It’s clunky (but also is definitely the cheapest way to play FH4 and if you expect to chew through all that content and then move on to something else, it’s probably not a bad idea).