I'll go with the disc drive, but I'm really wondering how much it's going to be. COVID-19 has really screwed me over work-wise, and I'm not sure how long it will take for me to recover financially. Hopefully, it's sub $599.
Digital could be interesting but no discs means you can't hope to find cheap disc games wherever you're looking for it or happen to fall on a game you've been fancying. The very regular digital sales can make up for it but going discless gives you less options.
Also you can't lend a finished game to a friend if you want to.
I really wish digital retailers would come up with the option to let a friend borrow your digital games.