While I would probably say it is too early in that there are not really many games for the Switch, most homebrew is hardly the highly polished stuff you might have seen on the GBA, DS, xbox and Wii (you know, when homebrew was kind) and everything is still pretty clunky then that could be dismissed as an opinion (except for no games as that is just straight fact). However if you did leave your switch unable to connect to the internet you could enjoy your hacks for the next year or so until things are more developed. At that point you will probably be able to run a nice "clean my Switch up" application, maybe run the latest hack which dodges all the checks and thus allows online and then have an online hacked Switch.
Alternatively if you did want to do the wipe and restore trick (possibly in combination with something like
https://gbatemp.net/threads/how-to-...nofficially-without-burning-any-fuses.507461/ ), something which would be very tedious and still leave you open to a user error (Nintendo only has to be right the once) you could enjoy both a measure of online (no hacked games or games you don't own with it though) and a hacked device. At a later date you might convert that to emunand or a safe hacked firmware.
Some seem to think this is effectively a ban, however the promise that you can enjoy hacks now and then join online later stands in defiance of that.
I have no idea when the hack cleanup and safe firmwares might be made, certainly at this point nobody is looking into it that I have seen. I would also expect the end result to be fairly intensely documented and the methods used (TX are obviously not going to give away their hack detection blocking efforts if it was them) to be very high end* before I even consider it for the label online safe, and will lock horns with anybody that tries to make the claim without something of that scope.
*I want a fully mapped kernel and function list (full disassembly would be nice but I will agree that would be a lot of work and could be dodged with the thing before this bracket), change logging, a game of "if I were Nintendo then what would I do?" and a few other more complicated things we don't often see in the sorts of hacking we typically deal with around here. Nintendo are playing hard this time and any workarounds need to play at that level.