Cheapest gaming

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Currently have a PS4 and buying games on sale, roughly spending about £4/month on average on games during the year and have about 20 games backlog
Now that I have a PS4, PS NOW seems to be a good deal at £50/yr or £4/month and access to around 800 games PS4, PS3 and PS2
I prefer PS NOW to PS+ as it gives access to wide selection of games immediately and not have to build up a collection via 2 games each month
I believe the Xbox version is still in beta
Google Stadia at £9/month seems double the price of PS NOW and again, only gives free games monthly
Nvidia has a subscription based gaming system, but it seems game company licencing is an issue and some are pulling out
I would consider PC gaming, but the initial cost of £800+ puts me off
Happy for any guidance?
Now that I have a PS4, PS NOW seems to be a good deal at £50/yr or £4/month and access to around 800 games PS4, PS3 and PS2
I prefer PS NOW to PS+ as it gives access to wide selection of games immediately and not have to build up a collection via 2 games each month
I believe the Xbox version is still in beta
Google Stadia at £9/month seems double the price of PS NOW and again, only gives free games monthly
Nvidia has a subscription based gaming system, but it seems game company licencing is an issue and some are pulling out
I would consider PC gaming, but the initial cost of £800+ puts me off
Happy for any guidance?
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PS Now doesn't seem great to me. A lot of the games are PS3 games, you can buy a PS3 and second hand games pretty cheap if that's what you want to play. There isn't a lot of choice for decent PS4 games on it. It might provide a good addition to your library but I don't think it's likely to be all you want / need.
Stadia works out at pretty expensive to buy a lot of the games. You don't get sales like you do with PC, so you actually have to pay the ridiculous rack rates of £50 or so for a triple A game or whatever it is.
Long term I think PC gaming can be cheaper if you play a lot of different games, because you can build a library of games without worrying about 'backwards compatibility', and you have far more choice of independent games, older games, and different store sales. I think that's why a lot of serial long term gamers prefer PC, but as you say, there is a base platform cost. If you spend £800 (a decent but budget gaming PC) every 5 years, that's £160 /yr just for the system. Great if you are saving more than this, but if you are only buying a few games a year or so it's too much.
Overall, I'd say lower volume gamers, who want a good selection of AAA games available, should always go for a console and buy the disks they want. Which console depends on your games preference really. And people who want to play as many games as possible, including older or independent games, in the long term should go PC.
Really budget gamers should probably build a very basic PC for £400 or so and then just stick to old games that will run on it.
I was worried about lag but as you can see even on my 2013 laptop using my Xbox controller in mutliplayer there is no lag!!
I don't have much time for games these days, Destiny 2 (+ add ons) looks so massive I recon it'll keep me busy for a long while, and if Google bundles in a few good 'free' games with the £8.99/month in the coming months am sold.
This is my current list of 'free' games in Stadia at present, I doubt I'll get through them for a while
I'm not sure if I'm allowed to name them due to advertising rules on here. A quick Google search will find them though.