It depends on the game. I'm in your same boat but own most of my games on Steam so I do have to double dip but for instance I had Robo Recall on the Rift S so I got it for free on the Quest. For your reference of the three games you mentioned two are cross buy. They are Creed and Robo Recall.
Many games support cross-buy between the Quest and Rift versions on their respective Oculus stores, but not all games (Robo Recall does, but Beat Saber doesn’t).
To see whether a game supports cross-buy, look at the game’s Rift or Quest store page. If it lists both Rift and Quest under “Supported Platforms” then it’s cross-buy.
So, if my girlfriend plays on Quest and me on Rift S, we can play together at home on the same network and same steam/oculus account? (on Creed for example, it's not that I want to punch my gf in VR because I can't do it in the real world but... 😄 )