best to buy physical.
If the physical market ever dies, you will be forced to pay whatever PSN/XBL/steam/origin and the others say you must pay... and you're stuck with it even if you dont like the game because you cant re-sell.
Just go on HUKD and you will find a cracking deal on a PS4 game every other day. Right now you can get destiny brand new for £15 at tesco direct or amazon.
edit: I know you said brand new games, but the above was just an example.