I have Steam/PC, but on my PS4 and PS5 I've only ever played physical games. I think I've only bought 2~3 games from Sony digitally and they were for the Vita .. and I lost access to that account but it doesn't matter since all Vita games are unlocked on Sony's servers now.

My PS4 is hacked so I can sideload pkg files/games. I keep my PS5 disconnected and behind on updates in hopes it will one day get a Hypervisor hack.