Thankfully for me, I play my EA Sports games via EA Access, so $30/year covers those games. I don't mind having to wait a few months before playing the games. I don't need the newest one on release. I still feel that Madden 16 was the last time I enjoyed playing Madden. Each one I've played since then has been worse than the last. I haven't played Madden 20 yet, but from everything I've seen and heard, it's a literal copy of Madden 19 (to the point that you can still find the Madden 19 logo in parts of the game) - so assuming that's true, I've played Madden 20.
I still feel that NBA 2k's best feature is their least played, and that's MyLeague. The amount of customization you can do in NBA 2k20's MyLeague can keep that game enjoyable for a long time, even after the servers go offline in 2022. MyPlayer is really fun, but the minimal amount of effort to make that mode better that they show just blows my mind. MyTeam experiences a similar situation, but I have seen it get better over the last two years - and thankfully, you can still field a good enough team to compete without shelling out extra VC. (And I'm still holding up to my promise of not spending VC on MyTeam this year. My wallet thanks me!)