I'm debating between the Quest and S

One thing no one else brought up is that if your get the Quest, your games are tied to Oculus. If you change brands later, your games on Quest are stuck to your oculus account.

Now, I heard you can play steam games on the Quest but also heard it can be laggy since it's a workaround rather than native.

I got the Rift S simply because the Steam VR works fine. I already had some games that supported VR so I was able to easily import my Steam Library and have stuff to play. And if you keep buying your games for your PC, you'll be able to play on any other PCVR brand in the future, theoretically, rather than needing to rebuild your library.

That is something you may want to consider that I didn't see anyone else mention.

/r/oculus Thread