My understanding is that most games come with the full game data on the disk, though it's a little more of a gamble if some will be left as a download on the Switch carts since they charge by cart size if I recall correctly.

Having said that, it would still be the unpatched game data; but that's still more playable than a digital copy when the servers are no longer maintained.

It's also worth noting people with bad internet speeds can prefer the disks since copying 50-150GB is a lot faster than downloading it from the internet for them.