I recently got a deal on Star Wars Outlaws (20 dollars) on Disk and Mario Kart World (80 dollars) on Cartridge if I bought them together.

The disk installation took an hour, there was a 20GB patch included, it asked for the 2nd disk which failed to install as something from the first disk was incomplete I guess. The work around was to wipe the installation and re-download it from the online store - with the disk only providing proof of purchase after the fact.

The Nintendo cartridge worked immediately with no issue.

¯\_(ツ)_/¯