I’m probably going to go with the download version this year. I’ve bought the disk version in the past (always) and I can’t recall one time when I used it after the initial download. I’m guessing it will happen that I find a need to reinstall it once I go with the download version, but I’m sure there’s a process for that.
Also, since space is cheap, I keep three or four years (versions) of TT on my computer. If I delete and subsequently need it after that, I guess I’ll just have to figure it out. I always buy a legit copy and register it so hopefully that will cover me in a worse case scenario.
Also, also, I suspect the download comes as a downloaded file. I would think a copy of that file could be saved and used to reinstall if necessary, similar to a physical disk. I’m going for it.