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You can easily pull off the disc without tanking your Internet, that's a plus. I'm missing half my carts for switch, that's con. I have only a few ps5 discs that I got super good deals on, that's a plus. Disc makes since for really big files like FF7 Rebirth, plus. You have to swap out discs, con. It still takes hours to pull a game off of a disc, 2 hours in Rebirth case, one hour for ragnorok, downloading is just as fast, equel in this regard. Discs and carts take up physical space and you need to keep them stored well in a room that is lived in, you can,'t store discs in a room that's getting no love or the attic, I tried and they ended up stained and covered in weird shit with the boxes closed. I lost my entire ps3, wii and PS3 collection during a move a decade ago, big con on that one. I know my copy of Xenoblade chronicals X on cart will show up at some point but it could be years from now after a spring clean or reorganisation, that fact that I can't pkay it now because I put it down somewhere while not thinking is such a massive con, I remember where I put it (on the mantle piece) but it's not there two years later. 

Regardless of choice you still have to have storage on your system,  you most likely will have to expand the SSD if you want to hold games on ps5 without the long installs. You don't own either, but with physical you can disconnect the internet and play at least the 1.0 version of the game even if it may be broken. 

I'm very mixed on this issue, I bought a PS5 with a disc drive cause I knew I'd come across deals and I did, plus I don't want to install 200gb games in the future through my Internet and get throttled so 4k TV goes out the window but to go one way or the other I can't decide, recently I lost access to a game I bought on ps4, civ 6 and it has but the digital fear in me that perhaps I should deal with the cons of physical media while I still can and return from the digital age. 

I suppose I find digital better buy I have growing concerns I hope to see not come to fruition.

Streaming is a long way off for the masses, a long ass way. Perhaps >5% of people could do streaming now that's relatively okay but I suppose at some point that's the way games will be consumed. God I hope it isn't anytime soon. 

What are your pros and cons for physical VS digital? Are you all in one way or the other?