Look at it this way, that huge spending you just did can be returned to you at some point if you'd like by selling the games. I have spent well over a thousand dollars lifetime on PlayStation digital games, and I'll never have a way to get that money back. I have some physical games too, but I'm mostly digital on PS5.
Any more physical games you get I would highly recommend focusing mainly on games that are complete on the disc. Off the top of my head, I think the only PS5 discs I have that requires a download are Gran Turismo 7 and Jedi Survivor. I don't think any PS4 discs I have required internet.
This site is fantastic
https://www.doesitplay.org/
If you ever get banned from PSN, PlayStation shuts down, or such you will still be able to play the physical games (that don't require internet). Sony bricking consoles is extremely rare, as bans for an online account are usually sufficient when you break their terms of service.
Lifetime Sales Predictions
Switch: 159 million (was 73 million, then 96 million, then 113 million, then 125 million, then 144 million, then 151 million, then 156 million, then 161 million)
PS5: 116 million (was 105 million, then 115 million, then 122 million)
Xbox Series X/S: 38 million (was 60 million, then 67 million, then 57 million. then 48 million. then 40 million)
Switch 2: 120 million (was 116 million)
PS4: 120 mil (was 100 then 130 million, then 122 million) Xbox One: 51 mil (was 50 then 55 mil)
3DS: 75.5 mil (was 73, then 77 million)
"Let go your earthly tether, enter the void, empty and become wind." - Guru Laghima
