TBH, 100% offline gaming has been problematic since day-one patches became the norm in the PS3 era. Sure, you might be play version 1.0 of the game from the disc, but often the experience was pretty compromised without the patch, often very buggy, or sometimes even features missing.

And the PS5 is meant to be able to play digitally downloaded while disconnected (at least the ones you own, not the PS+ games). It's just the implementation is little buggy, it sometimes breaks for some people and you get a bunch of vocal people complaining about how it doesn't work.

So IMO, you aren't losing much there. The digital-only experience isn't that different from needing to have internet to download a day-one patch.

It's the used game sales that are the biggest loss from this move.