The last point specifically is my thought as well. Someone who has the knowledge to find a vulnerability that isn't another hardware exploit like fusee-gelee (the unpatched Switch exploit) likely has the foresight to hold on to it until EOL now. Release it now and Nintendo will patch it almost immediately, and it's effectively wasted. Wait until EOL and there's a decent chance that like with the Wii U and 3DS (referring to SeedMiner, NTRBoot is just as unpatchable as RCM) Nintendo won't bother to fix it since it's not their flagship console anymore, and then the Switch is easily hackable without a hardware mod forever. Much better in my opinion.
In the mean time, modchips (while overpriced right now) are easy to use once installed and basically exactly what you're looking for. The price of modchips is likely to go down as competitors enter the market and I'm hopeful an open-source (ie orderable off of PCBWay or any other PCB printing service) with a full list of components to use which will lead to these chips being sold eventually almost at cost, which shouldn't be more than 30$ (the cost of making them, that is. I expect the price to be at least 20$ more than that for pre-assembled ones, which is fair). There are plenty of people offering installation (including myself, and
ModzvilleUSA, who takes send-ins) for these chips. Additionally, unpatched units are easy enough to obtain, and can also be almost as good as one of the glitch modchips using a Trinket (a hardware limitation of a Trinket is that it can't inject the payload while anything is plugged in, which means if the console is plugged in powered off it will boot RCM and then just sit there, but not a huge deal if you're aware of it), which costs no more than 15$ if you have soldering experience, similarly booting directly to a payload on your SD card (which Homlet's AIO Switch Updater automatically replaces when it installs updates). I recommend looking in to a modchip if you aren't on an unpatched, or a Trinket if you are on an unpatched, as I still think it makes life much easier even considering the above mentioned hardware limitation.
TL;DR wait for EOL or get a modchip, otherwise no