I‘m one of the old millennials who’d never buy something if I can’t afford it right away, I save for it, or save for the next gen of that thing. This laptop costs about £ 1020
Game pass is £ 360; MS Office is £ 140; Sums up to about £ 500;
This „reduces“ the price of the laptop to £ 520 or £ 22 per month.
So the price is pretty good but only if you do have use for MS office and the Game Pass, but also £ 40 per month is some high additional cost. The machine itself is good, tho.