Its on a game by game basis and I am sure 3rd parties can set their own prices. Even Nintendo's own games differ. New Switch 2 exclusive DK is 70 whereas MK World is 80. Streed Fighter 6 is 60.
I think I have easily recouped 60-70% of the money spent on Xbox thanks to gamepass. There are lot of non Microsoft games also that I have played like EA play games and some capcom games, many smaller budget titles too. I would have bought these games for full price or 40-50% off if gamepass wasn't there.