I posted this question elsewhere but:
Q:Why do you want cloud saves?
A: In case something happens to your console OR if you want to log into your account and play on another console.
Having the option to copy your saves to an external HDD, SD card, or USB drive would be nice, too.
So, what if something happens to your console? What if it's lost, stolen, or damaged? You'll have to buy a whole new Switch. Those things cost $300. That's not a lot of money to ballers like you and me but somebody might not immediately have that kind of money to spend to replace a Switch. When they do finally get the money, there's a possibility that their saves will be deleted by Nintendo. They'd have to keep paying for Nintendo online for a system they don't even have to keep that from happening.
I agree that this is no easy situation if something happens to your console. I can definitely understand that. But there are two things that cross my mind.
1) This is something that must happen just around the time you stop paying for the service, otherweise you would probably have enough time to get it repaired/replaced. Consoles can break or get stolen at anytime during the year, so the chances are not too high that this may be a matter fo concern. It's still possible, sure, but it's not the likeliest scenario. This goes under the assumption that the service is bought for the entire year. If it's paid for just one month, yeah well *shrugs shoulders*
2) The service will expand itself for the next period by default unless the user disables this manually. So it is the purposeful decision to stop paying for it. If you truly want to stop paying for the service, you must be sure to know about the risks yourself. The terms and conditions are plastered everywhere.
Gameplay > Graphics
Substance > Style
Art Direction > Realism