I don't think I have thought about it like this. I prefer digital, but it's purely from ease of use point of view.

For me it's where do I want to play this game? My preference is: Handheld console -> Home Console -> PC

As for PC, Gog used to be my goto platform a long time ago, but then reduced their Linux support and Steam started focusing on it, so I switched to Steam 100%, but I play very little on PC, so practically speaking this doesn't make too much of a difference.

So, with current systems that I have, this becomes something like: Switch -> PlayStation -> Steam.

As for the discussion between owning and renting, I used to be a collector, but with time, don't care about "owning" games too much, for 90% of the games I'll play it once for 30-40 hours (or 90-100 hours if it's a long RPG) and then probably never touch them again, at least not for next decade or so, so whatever let's me enjoy that legally, at the cheapest rate, is fine for me.

I do have some opinions about Gamepass, but that is how it effects the ecosystem, so not sure if it's relevant here or not.