Save corruption is only a very small part of it. It's a handheld, the more time I put into it the more value it gains to me and the harder a loss of it would be. To have it stolen or break with unretrievble save data is the biggest problem I can imagine for any system I'd ever own post Memory cards. I have had every Nintendo handheld since the Gameboy colour, I need not feee my mind from anything, I just want to be able to back up a couple of hefty saves and since I WOULD be buying digitally for the most part it is now an absolute necessity.
I am sure you already know that cloud saves are an option for subscribers of Nintendo's online service. But did you know that there's a standard of 5% cashback on all digital purchases that can be used for discounts on virtually anything, including the payment for the online service? In theory, the cashback you accumulate over the course of a year can be big enough to pay for the yearly subscription or at least reduce the sum to pocket change.
By the way, save data for physical and digital games gets stored in the exact same way, so physical or digital doesn't matter at all. There's a difference in cashback though: 5% for digital games, but only 1% for physical games.