I actually have quite a few physical games already. I got AC Valhalla and Yakuza 7 at launch and I bought the Ultimate Edition of Control and Resident Evil 8 and they're just the Series X games. I didn't have an Xbox One so I ended up double dipping on the remakes of Resident Evil 2 and 3, The Evil Within 2 (long before it was added to Game Pass), Far Cry 4, even Metro Exodus. Basically anything that I want to play that runs in 4K or at 60fps that, obviously, my PS4 couldn't.
Game Pass does mean I don't need to buy so much physically, sure, but I still often do.