Just my opinion but I hear me out.
1) Right now, and for the foreseeable future, new gen consoles retain a massive amount of their value when sold used (in good condition) because of the shortages. So if you regret buying either one, you can easily sell and get the other one. For a tiny cost or even a profit if you find the right buyer.
2) The value of having a Disc drive will increase with time as more current gen games (going for 89$ CAD before tax) will appear on the used market.
3) I think 2) is relevant because I see gamepass as a cost effective way to try out multiple games for a low cost and if you find one you actually love you can buy it's physical copy second hand for a lower price and will still be able to play if you stop paying for gamepass.
Ultimately, I feel in the current market the series X is the best option. Low risk as resale value is high, as time goes on the disk drive will help you save more and more, the 1TB SSD does it for me. I have students budget internet and having to delete and reinstall games all the time is a no go for me.
Hope this helps ⊂((・▽・))⊃