It seems obvious that if your house burned down then you're better off digital.
Realistically gaming would be the last thing on your mind, but hypothetically you could buy yourself a new playstation log into your account and have your digital library back in the few hours it takes to download them.
For physical you'd have to
a: remember what games you owned
b: prove to the insurance company you owned those games
c: wait months for the insurance pay out
d: search Ebay, retro stores, and online retailers to rebuy all the games individually
e: stick the disc in your machine and wait for the patches to install
f: think to yourself it would have been much bloody easier if only my library had been digital
I bought the disc drive for 4K movies. Every game will be digitalI think most people got the PS5 with the disc, that tells you all you need to know.
That being said, physical releases will be more and more reatricted for sure.
Everyone of my Digital PS4 games work on my PS5. And they look even better!True. Just using Apple IPhone as an example (I know there are no physical games but talking about buying digital games). I have spent so much money on games on older phones and often when I went to download them on a newer phone they say it isn't compatible with the new version of IOS and deveoper hasn't updated the game. So basically I am shit out of luck. Physical games you at least have the base game (except for online and MP games). MOST games are on the disc. But yes, developers and publishers are getting lazy and releasing huge patches.
Also it's seeming to be a trend that physical copies are not being available at launch. They want to reap a bigger cut with digital sales and then have the physical sales later. May get duplicate sales too.
All of these plus the added bonus of digital purchases not randomly disappearing.
Had my 2009 digital purchase of Teenage Mutant Ninja Turtles Reshelled randomly disappear from my purchase list.
Tried MS/Xbox customer support and they want me to show them the credit card purchase I made back in 2009.
Also the digital purchase list only went back to 2013 even though I've been making digital purchases on Xbox since 2003.
At worst it should have all my 360 purchases which started in early 2006.
They basically couldn't help me without me proving I purchased a game 12 years ago.
It should be on their servers but nope.
My $20 purchase gone and I'll never be able to play Turtles reshelled again.
Lessons I learned:
from now on I will log every digital purchase I make in a notebook with the date, time and CC I used.
Can't trust corporations with your purchases.
What else can one do?..