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I believe you'd only need to buy a game twice, given how the account system works on the Switch. Set it up so the person with the primary account on their console plays the game on a different account, then someone with the secondary account plays it on that one - I've played online multiplayer with a friend by doing that, but logically it'd only work for up to 2 players at once, so you'd need to buy twice to get 4 players in.

As for the suggestion itself, I don't know. The multiplayer games I play on the Switch are usually of the $60, everyone-on-the-same-screen kind.