Generally speaking, the most common sales (outside of MS) are on EA, 2K, and Ubisoft games. Those are frequently 20-40% off. Of course in the case of EA you also have EA Access, which is a must own if you play a good amount of their games. Indies are also on sale all the time. Everything else usually takes a bit longer to go on sale I find, unless it's something with a season pass or other DLC, in which case they'll often mark that game down in the hopes of making a buck on you off said DLC later. Generally speaking though, digital prices on console never drop as quickly as retail (especially if you take used games into consideration).
If you do go all digital, and you have a friend/family member with another console who does the same, make sure you use the home console feature to share libraries. You'll only ever have to buy games you both want once, even if you wanna play it online simultaneously.
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