The problem with 4K digital is the bitrate varies from title to title and from service to service. The audio is better on the disk if you have an audio system that can take advantage of it.
Movies Anywhere tends to be the best service to stream 4K followed by Apple they tend to be above 20 Mbps on their 4K movie streams.
I tend to buy the disk and redeem the digital code, I use the digital version when I'm not in one of my main viewing setups.
Why not just put the Apple TV on one of the X90Ks HDMI 2.0 ports? The Apple TV does not take advantage of any HDMI 2.1 features with you TV so you are not missing out on anything. The only issue you might have is audio sync issues that happens with some Sony sets using ARC/eARC.
If you have not do so already there is a firmware update for your bar that was released in August.
https://www.sony.com/electronics/support/sound-bars-home-theater-systems-sound-bars-surround-speakers/ht-a5000#downloads