I can see games like Ring Fit Adventure, Animal Crossing, or Tekken being perfect for digital, but I'll always want a physical copy for RPGs.
I'm playing Hades at the moment and Hades main issue with the surface world is it can be a bit windy. For some reason this topic reminds me of that.
That said the new Xbox quick change between games thing might make me a convert to the hating disc swaps.
Changing a cartridge / disc is a very simple task and it certainly takes less time than downloading a game. So I cannot understand your problem. I also never play GaaS or sports games and rarely do I play fighting games though, but I doubt that would be any different if I did.
For GaaS games, a physical version does not have a significant advantage over a digital version, because when the service gets closed, a physical version is pretty useless as well.I have a massive physical collection, probably more than most people in this very thread and I can honesly tell you that since I've been getting more into online and GaaS games in the past 2 years, I've been buying more and more games digitally. I still buy physical but I don't hesitate as much when I go digital now.
For GaaS games, a physical version does not have a significant advantage over a digital version, because when the service gets closed, a physical version is pretty useless as well.
Please note: I am using GaaS as a very specific term here. Some games have GaaS aspects that do not make the base game worthless without the internet, e.g. Mario Maker 2 with its Nintendo-made levels or Smash Bros Ultimate. I am not interested in discussing how the term can be used to for a large majority of games.