No. Digital is more expensive almost always. At least that's how it's on consoles. You have to wait ridiculously long to get any price drops. You could easily be still paying full price for digital when physical is 15-20€.
Also, unless you're a careless owner, physical is more reliable. No reliance on the service being up and all that stuff. Of course it's probably not much of a concern if you have no intentions of playing your games after the generation is over. I suppose there's the fact that there is the possibility of you getting banned for whatever ridiculous reason, in which case you lose everything. It's very unlikely to happen but it can happen, especially if you don't behave yourself and/or keep to yourself.