I’ve had my disc PS5 for two years now, and the only thing I’ve put in it was Top Gun on 4K disc

You are really missing out then, because if you know where to look (like psprices.com) you will often find sales on only physical copies at Amazon, Best Buy or GameStop.

I’m talking like significant sales. Like AAA games less than a year old (that still costs $60 on PSN) for $15.99 kind of sales.