I just finished rift apart. Definitely my fave games in the series after the original trilogy. I think it might be the best looking game I ever played and the dimension swapping is seriously impressive.
I'm currently on Hogwarts Legacy. About 7 hours in and it's not too bad. More RPG elements and a bigger world than expected. Also looks amazing but I can't make too much of an opinion on it just yet.
Honestly if you're looking to go budget get second hand parts and build a desktop. I bought a desktop with a 2700x and 1050 ti for $400 AUD. I sold the 1050 ti bought a 5700xt and a 650w psu. Cost me about $700 AUD total. This can play all the latest games at 1080p medium to high settings no problem. That's about $450 USD.