First 2 dlcs and base game do not add to the cost and will not impact you after you buy them in the bundle. The Bundle is the same cost as Forsaken was as a standalone but now also includes the Forsaken Annual pass so you are still coming out ahead.
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I purchased the annual pass on the Xbox store, and it said I still needed to purchase Forsaken, so is it gonna still cost $40 just to get the Forsaken expansion?
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You have to buy forsaken to even play the annual pass. So ask Microsoft for a refund and buy the forsaken complete collection,