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That's true, but I also have a 4 year old that likes to grab discs with dirty hands and leave them all over the place, scratching them up. I like the digital version to avoid unplayable discs. Digital is mainly for games that I know 100% I won't be returning, especially sports games that...

Went into Target today and the price on the shelf showed 25% off the gift card.  I bought $70 worth of PSN Gift Cards for $52.50.  Not a bad deal!

So I got an even better deal! I went into Target today expecting a 10% rebate on PSN gift cards, but it was 25% when I got to the store. I bought $70 in cards for $52.50, and since the PS Store doesn't charge tax, that's all I paid for NHL 15.

I went through the steps the other day and Shop dot ca seems to be showing that they're sold out of NHL 15.

This is perfect timing.  Buy $70 worth of PSN cards for $63, then buy NHL 15 and don't pay the tax through PS Store. Save 10% plus another 13% from tax.