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You won't lose your game unless you misbehave so badly your account gets banned.

I don't know how it works on Switch, yet things to look out for are: (ps4)
- If you have multiple consoles, you'll need to be connected online to play the game on any secondary console.
- DLC from other regions might not be compatible, beware when buying from different regions.
- If you want to switch to digital for a game you already have, you have to upload your save data to the cloud, delete every trace of the game on the console and redwonload the digital game. They are not interchangeable.