I want to go digital - Update: I decided to go Retail

[*Sound Of Rain]

I have been looking into possibly going all digital on the PS4. It seems to be much more convenient and I've always been a fan of simplicity & ease of use.

However, upon reading up on it, some people claim that it takes forever to download a game...is this true? Like 10+ hours. Also, some are reporting issues with not being able to access digital games when PSN is down. Is this true?

TLDR: What has your experience with buying retail games digitally been like?

Thank you to all who shared their knowledge on the subject. I've decided to stay with retail versions