I buy most of my games on blueray and for almost all of them I can’t play them because when inserted into the Xbox there is an update to download often the size of the blueray, sometimes +100go. Even on day 1 of the launch of a game I have to download a patch. Some games won’t start without downloading the patches.
The only reason to have a physical disk in the case of a game is to be able to sell it, otherwise the disk is just the key