You need to buy Gold. Game Pass Ultimate is game pass + gold. I used to buy the 12 month cards for $59.99. Since all I played was Gears and owned the games, it only cost $5/mo.
Yea, unfortunately you need Gold to play the games you own online… If you’re playing gamepass you need ultimate to, both, play the games AND go online.
I collect Microsoft points which I use to buy XBL vouchers, so in effect it doesn’t cost me anything (except a bit of time). I’m totally topped up until end of 2024.
You need gold to play online. You need gamepass to access the hundreds of games MS has on the service if you haven’t purchased them outright. The only games you can play online without gold/ultimate are free to play titles.