I lost a small number of games due to PlayStation support not being able to get around the fact that although I purchased some of them via PayPal, I also bought other games with a credit card. They could verify I owned the actual account and I answered all security questions but they still wouldn't fix whatever issue I had (this was at least 5 years ago so I forget particulars).

That experience forever turned me off to relying on digital-only.

To your points, having a PSN account is necessary but I can always create a new one if need be.

Whenever possible, I prioritize non-DRM media for purchase.