I used to be a disc only guy for all the reasons you mentioned but my playstation started acting up and ejecting discs at random. Quite frustrating to say the least. The problem is fixed now, but it still does it from time to time. So I stick with digital these days just for convenience. I do agree with you that we'll most likely not be able to play most of these games in some years time due to lack of servers running them. booo :(

Gaming sure has changed. I miss the days of co-op campaign and solid offline games. So it goes I guess.