I didn't touch on them because the upgrade thing is correct, smart delivery is better than the $10 upgrade path. This also just happened with Outer Worlds which is an X-Box studio, but to the best of my knowledge this was done by Private Division (a publishing division of Take 2), not Microsoft. Not really anything to dispute. As for GT7, I've heard of the MTX issues, but I haven't played it myself, so I really have no comments on that.
As for the disc issue you are talking about, could be correct but I've never encountered it. Although save files will always carry over in my experience, I wouldn't say that is anti-consumer more than it is just inconvenient (they aren't downgrading the games or increasing prices, which would be anti-consumer).
I'm not gonna dispute MS is probably the most consumer-friendly at the moment, because they are in the most need of gaining market share (similar to AMD vs Nvidia in GPUs, but not really true in CPUs anymore as they gained on Intel). To be honest, being on all 3 platforms to an extent (I don't own an Xbox, but have PC Gamepass for like the next 28 months), I find Nintendo the most frustrating to deal with since while Sony's first party games are 90 CAD at launch and pretty much all Nintendo games except the upcoming Tears of the Kingdom are 80CAD, unless a game is an absolute must have for you, you will be able to find Sony stuff on sale within 6-12 months. Good luck ever finding first party Nintendo stuff on sale except maybe twice a year, and then games 5 years old will go back up to 80.
To be honest, if you really want to hammer Sony/Nintendo for being anti-consumer just look at their refund policies compared to Microsoft and Steam/Valve, although that is partially a cultural divide, but it was obviously quite evident on CyberPunk 2077 and which is why it got taken off the Sony store after CDPR promised refunds without clearing it with Sony ahead of time.
I just don't really see the PS5 itself as being anti-consumer. There are obviously some issues with SIE overall like there all with all 3 of the companies.