Are you getting digital or a physical copy of Destiny? I understand the advantage of preloading, but I'm going with a physical copy of Destiny. I prefer to have something hard that I can touch and insert into the slot.
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I'm leaning more towards digital. Can't break the disc so I have it linked to my account till psn is destroyed by a supernova. Also like you said pre-loading and there's no tax on psn.