I used to think the same way, but one day MS was having server issues on their end, and my XOne refused to play my rightfully owned game despite the disc being in the console. I was also unable to log into my account, which made me unable to save my progress, which made playing the game (if it suddenly decided to work) impossible.

Consoles were great until the X360/PS3 era. I could buy a disc, insert the disc into the console, and start playing, and the game would probably work fine without much hassle. I played my X360 offline for years and it worked just fine. Nowadays I go to the store, buy the disc, go back home, insert the disc, wait for it to install, and then I discover that the game was not optimized for my console of choice and it runs awfully to the point of unplayability. And if I have no internet connection, tough luck, my console turns into an expensive brick.

I now just buy on GoG. Much easier that way. Console exclusives are ported to PC anyway, so you're not missing anything. You also get nice perks like playing online for free if you're into multiplayer games, or playing older games on emulators (~~and current ones, because fuck Nintendo~~).