Edit, for the record this is a website to list how many games are playable without downloads: https://www.doesitplay.org/
It states 68% of PS5 games requires no major patches, while 17% require patches for either bug fixes, improved performance or minor content. 4% needs major patches for being playable or will have huge amounts of content cut. And 11% will need mandatory downloads to play
This matches with my experience, very few of my PS5 physical games require mandatory downloads, the games are fully on discs
For Switch 1 stats are 92% of the games fully playable without downloads







