@Oldgamerz:
Like you mentioned, except for the Nintendo Switch, and maybe the Vita, physical games have been dead since 2014. They died with the PS3/360/WiiU and handhelds. Since the Xbone/PS4 they've been nothing more than license keys. Of the probably 30-40 Xbox One games I have probably 3-4 actually contain the whole game, or are at least playable without the day one patch.
We keep talking about physical media as if it's still around, but it's been dead for awhile now. We've just been buying physical license keys.
After this generation I will be completely digital; meaning I'll be focusing solely on collecting vintage software and hardware.
The prices have put halt on my retro collecting, but my modern collecting has seen a boon (especially Xbox, got a series X and I can't help myself). There's so many last gen games that are in the teens. I made out like a king with the latest memorial day Gamestop sale (between the sale and my points from doing surveys I don't know how that place makes any money at all... though I guess they're not...).
With Retro/vintage stuff I have most of the low hanging fruit I've wanted, everything now are whales and grails (so to speak). Saving for the MUSHA and TurboGrafx library, Sega CD/32X. Its all stuff that's been ridiculously expensive for a awhile, so there's no rush.