Pre-Order to Play ASAP
Do you want to be able to play FIFA 20 as as soon as the release time rolls around then you should pre-order and you should buy it digitally.
When you pre-order FIFA 20 digitally you can pre-load the game. This means that you can download all of the game files and the day one update to your console a few days before the release date.
Even if you buy the FIFA 20 disk and manage to find a store doing a midnight release date event you will likely need to download a large patch to your console as soon as you get home.
By pre-ordering digitally you will have everything you need to play and there's even a chance you can play as early as 9 PM Pacific on September 23rd.