Godot looks impressive too from a casual look into it, and is also free, and definitely has more included. Monogame is more of a framework rather than a toolset

Godot looks impressive too from a casual look into it, and is also free, and definitely has more included. Monogame is more of a framework rather than a toolset, except for a Content Pipeline tool you're going to be writing just about everything in code. Monogame has the advantage that it has been used for commercial games, so you can get a good feel of what it can handle. Most of what I've seen showcased from Godot are more toy games, not really commercial. Now granted someone has to be the first to do it on Godot, but part of the reason you don't see it might be because it has some limitations you'll run into (but probably won't as a hobbyist developer). XNA also had a really large community at the time, and a lot of questions you have with Monogame, if you can't find the answer noromally, you can just look up the answers to for XNA and it will be the same answer, so there's a good amount of history to reference there as well. The important thing is just to pick something and start. After XNA died out, there was several years where I didn't make any progress because I kept going back and forth on what platform or tools I should use. I do recommend picking something open source and free, though, because I've had games get stuck on old proprietary platforms in the past and have had to port them to other platforms (i.e. Flash, Cocos2d iOS).