I bought Zelda, 1-2 Switch, and Bomberman as physical at launch because I was dropping too much money already, and couldn’t justify passing up on the 20%.
Since then I got Splatoon 2 digital because that’s the sort of game you always want to have handy. I have been putting off Mario Kart 8 Deluxe because I already played it on Wii U, and ARMS because I wasn’t thrilled with the demo. I figure I could grab one or two more physical games before I go all-digital, since you can always keep one game in that cartridge slot at all times anyway. Something will get a permanent home there.