I personally stick to only physical games since they cost the same, but are stored on the cartridge, meaning I don’t have to upgrade my switch’s measly 32GB of storage.
There were 2 viable switch emulators, Yuzu and Ryijinx. Nintendo has managed to stop development of both. Yes, you can still get them from other sources, but the original team that worked on the software is now fractured and threatened. Too bad for Nintendo that both Ryujinx and Yuzu were already good enough to play most games with minor issues on reasonable hardware.