the deciding criterion for me is wether or not I can make a hard copy at home (if download), and need internet activation or not. Stuff that needs internet activation each time I reinstall it is a no go for me, no matter if download or physical buy. I pay the price for it, than I demand to physically own it, including the ability to sell it away once I got tired of it, or reinstall it without depending on the website for activation still being present, or having internet access. Limited licenses (install three times, then needing to call by telephone each further time) also are unacceptable for me.
Windows XP being one exception, of course. but these days I reinstall once or twice a year from HD image, so...
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If you feel nuts, consult an expert.
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