Like paying $20 is breaking the bank. Not taking any sides but where is the free XCI feature? HDD support?
Not taking any sides either, but never seen the point in any of those two.
A 200GB MicroSD card is about 30€, Goldleaf/Tinfoil can install stuff over USB or you can FTP by now.
Tbh I see a HDD or a USB Drive hanging on my Switch rather an inconvenience.
But hey, I'm not judging, everyone should get what they want, be it free or paid...
But we shouldn't get too much off topic here.