I used to worry about wearing out my microSD card reader too, with constantly taking it out and putting it back in, swapping XCI files and whatnot, and also started considering mounting my Switch instead via USB (because FTP is supposedly quite slow).
Then I learned that replacing the card reader is a solderless job, you literally just remove some screws, remove the old reader's ribbon cable, insert the new one into the connector, and screw everything back in.
And it's cheap to get a replacement too, like this one on Aliexpress:
https://www.aliexpress.com/store/pr...rd-Reader-Slot-Socket/630443_32858107294.html
Whereas replacing the USB port involves desoldering the old one and soldering in a new USB port... I definitely can't do something like that on my own.