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Multiplatform titles aren't going to be much different so thats something you shouldnt really worry about. We probably have some years before GT7 comes out as well, so you could just start saving now
Unless its a digital download, its always going to be off disc.
You only use the discs for installing to the console for the first time and then to authenticate you own the game there after. It's not reading from disc in gameplay.
@TheCrazySwede mentioned that his optical drive acts up so I'm assuming he's having difficulty installing games.
I know games are not read off the disc once you install then, only authentication is required initially.
How many people do you know who've had issues with the optical drive or problems installing/running games off the disc?
@ImaRobot Shucks I ain't waiting that long! My X1 + both Forzas purchase is almost around the corner. Almost.