Just for the instance of having your switch stolen I would definitely recommend digital. They can always be recovered through your account in the case of theft. Plus you can save space by using a feature called archiving which keeps the icon but removes the data of the game (aside from the game saves) so that you can have a nice full looking collection without having to keep it completely full all the time. Plus in some cases the load times are better
Digital can't be stolen again. Hopefully it does not get stolen again. I only buy carts to get gamestop points and they are mostly 60 games. Only 60 I bought digital was xenoblade because it was freezing out. Saving up for a big discount coupon from gamestop right now.