I'm one of those that has gone full digital. Even the games I had on disc early in the gen, I purchased again as digital titles.
On Xbox One, when you installed a game, even if you took the disc out, it just kept installing. Turns out, the game was downloading (or the digital stuff was exactly the same as the physical plus patches). On PS4, when I tried to download a game that was physical, I'd have to delete the disc first.
My point is, it seems like, in at least some instances, the disc doesn't matter anymore. But, I have to admit, it's been at least 2014 since I bought a physical disc. If you can get the data to install, it might not even matter if your disc is damaged. Everything runs off the HDD. There disc just checks to see if you actually own the software.