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d21lewis said:

Also, I THINK free to play online games are free on every system but part of me is saying Nintendo still requires you to have their service for free to play games. If so, they would be the only one who charges. Again, I have their service but I just don't play my Switch online. I haven't in months. I only resubscribed to transfer Animal Crossing and it wasn't supported at the time. I'm seriously debating canceling it when my subscription expires. 

That is false. You don't need NSO for f2p online games.

And why do so many people have issues with the cloud saves? I got a new Switch last year and had no issue transfering over 150 games to the new Switch. Only Splatoon 2 required me to transfer the save file manualy, but it only took like 10 minutes.