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I'm split based on system. 

For the PS5, I don't care if it's physical or digital since we only have one in the house. 

For the Switch though, nearly 100% physical. I have 3 kids and 4 switches in the house and physical just saves me money and time. I know it is technically possible to share games between switches but it's a convoluted mess. Just easier to pop in the cartridge.