I usually get my XBL with MS Reward points, but they took away the 1 year offer, and jacked up the points for one and 3 months.
Yeah, they do have it on sale currently but you're pretty much forced to buy GPU; the added points on the system help a lot. Hopefully you got the free pandemic points
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You could cop a $15-20 phone off Craigslist, set that up and eat. I maxed out my GPU and now I mostly use it for games.