I initially wanted to stick with physical games, but realised that it is not the best way for my usage. For example: When doing co-op games between me and children, I can't share the physical games on two PS5s (e.g. It takes two). So I stick with digital games and share with the children's console.
Seems lots of sales happening as well, can save a bit. It is not very assuring as we can lose access to the account, etc, but the way to go for me.
When playing PS4 games loaded from external HDD, how slow it is compared to internal SSD?