I have 2 Nintendo Switch - one is softModed (unpatched) and one with hwfly (latest firmware). The update for emmc (stock fw) on the unpatched worked fine -> AutoRCM OFF -> Autoboot stock -> Update without troubles.
My second switch is running now emummc with version FW 18.0.0 in Atmosphere but...
You can buy drm free games / music / ebooks, and if you keep backups of your data (like documents and family photos etc), then you shouldn't lose the game. but with a disk, your toddler could put it in the toaster and there goes your $60