The economy isn't in the ideal position in the USA and other countries. The global pandemic has done a number on several industries, and there's at least a good chance your job was impacted by COVID-19. As a result of this, you may not be able to justify spending the estimated $500-$700 required only to get your foot to the next-gen door at launch in the upcoming few months. Different, but at precisely the same category, you might be the sort of person who never buys a games console at launch since you believe--and there's background that supports this concept--which systems are almost always debatable when published.
The finishing touches have been placed on the PS5 and Xbox Series X while the entire world has been devoured by the pandemic. It's not crazy to think that the early versions of the system could have some bumps in the road during the first couple of months. Whatever the case, you are not getting a brand new system anytime soon, and that would indicate the current-gen variant of NBA 2K21, in its own refined glory, is the best buy for you.
If you have been seriously bitten by the MyTeam bug, then you might not have the ability to pass on the chance to begin building your collection next week.MyTeam collections, MyTeam points, and VC will take over from current-gen to next-gen, so that in the event you have a chance to obtain the Pink Diamond Steph Curry or Manu Ginobili (unconfirmed, but expected) you're likely going to want to get them ready to go on your next-gen games console.
This approach will have you ready to hit the ground running as soon as the PS5 or Xbox Series X is available. If you don't identify with either of those two situations or need the systems to do your job--such as me--you could wait.