Of course if you buy the XBox bundle, you pay once and you can play Red Dead Redemption 2 as long as you want in 4k. If I get Stadia and want to keep playing my game in 4k a year from now, I have to sign on to a monthly fee.
I would assume you wouldn't have been paying $0.08/month since 1976 (just like you wouldn't be paying monthly on Stadia when you weren't using it), so the monthly cost for the game would actually be significantly higher if you want to amortize its cost over months you've actually played. :P