Unless you buy an indy game (which are generally inaccessible due to collectors bring up the prices of these short run games), you dont even get the whole game, or in some cases you dont get any game, on the disc anyhow. Only reason I see to get the disc is so you can trade it in.

With Nintendo their virtual games cards really ruined downloading for me. I try to get my kid the carts now due to this and Im basically back to playing the few games I like on PC now. Being forced to connect to the internet in order to play something I bought on the multiple switches I own is just BS