Hardware Same microSD card for both homebrew and games

[Arkyo]

I have a 128GB microSD. Can I use it for storing homebrew files, emuNAND as well as storing titles downloaded by eShop at the same time?

or should I better off buying cartridges?

P.S. I want to buy eShop games and online play because I don’t want to carry different cartridges. But if I’m out of option I can still buy physical copies.