On current-gen consoles, if you intelligently time your purchases of high-budget games, your playing of them, and trading them back in, then you can reduce their price to £25-30 on average – about the same as PC.
If you buy all digital, you're looking at £50-55 for every single high-budget new purchase. If you want to get a new AAA game a month, that's like £150 over quarter of a year. But if you buy physical and trade in intelligently, it's like £80 or so, but that saving just keeps on going if you can chain trade-ins consistently.
I love that I can access the few games I went digital on (sure-wins like GTA VR and TLoUR) immediately. it really is fantastic. But the highest-barrier price-point is just a no-go for me. I'm staying physical this gen unless games are on a really good deal - like Tomb Raider reboot remaster for £12. That is sick on current-gen.
Also Destiny. Destiny pretty much turned me off buying anything digital ever without knowing what it's like first. £55 down the fucking drain.