Retail all the way here.
On PS4 retail and digital 1st party games are €59.99 while 3rd party digital games are €69.99 the vast majority of the time, so €10 more per game. Then add the fact that there's no return policy whatsoever, no loaning a game to/from a friend and the fact that re-downloading and re-installing (sometimes you wanna play your old games again, but have deleted them from your HDD in the past) a digital game takes hours while a physical game takes minutes. An example: I recently replayed The Last of Us and my physical copy took like 2 minutes to re-install, if I had the game digital it would have taken hours.
The choice is pretty clear. Really the only benefits to digital are the fact that you can't break your disc and the ability to pre-load so you can start playing the second you wake up in the morning, but that isn't important to me, at all.
