The message I am getting is:

"You cannot play online multiplayer because of how your Microsoft account is set up. Please ensure your online safety settings allow Multiplayer. See instructions for changing these settings at aka.ms/MCMultiplayerHelp"

I did all of the suggestions from Microsoft support. All settings are changed to allow multiplayer. I can even play Multiplayer on my Nintendo Switch with the same Microsoft account. For some reason on the Xbox I can't play multiplayer.

I called Microsoft and they confirmed the settings are correct.

They told me this is a developer issue.

(Also - I have no idea what affect version means and that 1.19.51 is the only one I could pick, makes no sense)