I was thinking of physical at first too (since I do have a disk-based PS5), but decided on digital anyway. The map and postcards included are not that impressive and I know long term I will have no use for them. I suspect some items will be included in digital version, but don't know which.
BTW, you can see how the map and postcards look like here and decide if it's worth it to you. Like I said, I wouldn't bet on PS4 disk games transferring to digital PS5 (they can't even transfer saves, so....):
https://wccftech.com/cyberpunk-2077-full-map-leaked/
Another factor is that digital will allow me to play at the exact time the game launches, but disk will depend on when UPS driver decided to drop it off, which could be late in the day.