I always go physical due to preference.
Digital has the benefit of pre-loading, and often 'early' access to the game (generally only a few hours early), but has some huge risks tied to it many don't realize.
1. If Switch eShop servers go down in the future, you won't be able to redownload your game.
2. Loss of access to your Nintendo Account (hacks, etc) means you lose your game.
3. You don't have a cartridge case to put on a shelf. :y
I've already come to terms with all that and still think digital is the vibe.
I'd say it's way easier to lose a small cartridge rather than a whole switch. Digital has slightly faster load times. And no clutter.
Physical copies do make more sense when it comes to selling or trading games but I'd never want to sell my town.