I do have 10-15 year old consoles that still work great. Maybe you need to take better care of them.
Didn't mean it literally as 10-20 years but more that having physical games doesn't necessarily mean that your games will work indefinitely. Many times it's nearly vital to install the day one patch in order to get the best experience out of a game these days. In 20 years if the servers or network is no longer supported it won't be that you're not affected at all because you went physical.
I understand the pros of physical and I don't want to dismiss them out of hand, but there's nothing wrong with going digital either. Both have pros and cons and whatever fits your lifestyle is cool.