These days I just assume nothing’s playable offline. It_ not like my PS5 is ever offline anyway, so it’s not really a point of concern for me.
The actual reason I like physical games is because they’re generally cheaper when they just release and get discounted far sooner than digital games.
For example: Armored Core VI costs 69,99 euros on PS Store.
An online game store here sells it for 19,99 brand new. That means I can buy a copy for myself, I can gift you copy, buy a third one to light on fire as a sacrifice to the gaming gods… and still have money left over for two frozen pizza’s.
That’s why I like physical.