Let's assume you still were using a PS4, as I don't think there's anything yet to only be on the 5, halfway through the PS6 lifecycle, you could get a PS5 and have 90% of the quality, 100% of the games, and 25% of the price of a PS6.
I got the PS4 Pro when it came out. There were so many PS4 games at that point that I hadn't played. All so cheap too. I got the PS5 as I figured there would be so many great games coming to the console. Honestly, the only game that's PS5 exclusive is the Astro's Playground.