Thats what i thought, i just use jksv as its simple i only play pokemon on my cfw switch and buy the games i do nothing else to it at all just ftp and jksv for save edit and play in syscfw. i have a banned switch i do all nsp xci emulators and stuff on. So youd consider jksv as a safe tool then...
Iv done this for swsh, PLA, bdsp and will do it for violet (doesnt have cloud saves)
I play online on sysnand and do no other homebrew on sysnand apart from jksv save editing and ftp. All pokemon are legal and am not banned. Do at your own risk though