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I sell physical prints mostly out of the fear of someone reselling. Like you said, they could still do that with a physical copy by scanning but at least that’s a little more of a hassle. I’d also hate to see my art printed on shitty paper or the colors are completely off because the buyer (or print service they use) doesn’t put in the effort to get the colors just right.
Make sure you save your Word, jpg or Excel files as a pdf. Pdf’s are generally easier to print. They can also be secured so that no one can download and change your product. Most programs give you the ability to “save as” to a pdf. If you use an Adobe product like Illustrator, it’s part of the program. If you use other art/graphic sites like Canva, Picmonkey you can always convert or print the jpgs to a pdf.