Just got an XBOX Series X. Real reason I get this is to only play Forza Horizon 5 and maybe other racing games. I love racing games, a nice way to relax after work. Question is, obviously not interested in Game Pass as I'll only play a handful and don't really like subscription.

So the next logical way is to create a Microsoft and XBOX account based in Singapore, then buy games from XBOX Singapore Store in SGD right? Using their debit or CC. What other payment options do I have besides those two?

Thanks guys.

So which region should I set when I first create the Xbox account?