indeed. I own three switches with one account on all of them. I'm the only one who uses them though. the auto save thing also functions well, but you have to have a save already on the system. if you don't do a system transfer, you'll have to download each save manually. only then will it auto download saves made on other switches w/ the same account. can't play anything while in game iirc on one switch on another, even if it's a different game. however, you can play the game if the original switch playing something is in sleep mode. it would be aggravating if I had other people playing the systems. I can understand not being able to play the same game as that would be true if you owned the legit cartridge (only able to play the game on one system at a time obviously). however, not being able to play anything is stupid.
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btw, you do have to redownload everything as well, even if you do a system transfer. I have all three of my 1TB micro sd cards backed up shy of one game, monster hunter rise, since that just came out. it's a pita, and it caused me to get near my data cap last month.