I'm a PC gamer this gen, but I've always stuck with physical for consoles. They'd drop faster to the price I was looking for than digital did thanks to stuff like used games and stores having more incentive to clear inventory space. By the time games hit the price I wanted on digital months would go by.
And I never really trusted backwards compatibility support for older titles, so I liked being able to sell them off if I decided I wanted the new remastered version with the higher fps and resolution. Less an issue this gen, but that was my thinking the past generations.
Yeah roster updates make sports games dead if you like playing with up to date players. I moved on from sports games years ago because of that, and with all the predatory f2p monetization they have now on top of being full priced I won't be back.