But, I was traveling for work and brought the non-"home" Switch with me along with a copy of Breath of the Wild on cartridge. I fired it up on the airplane, ready to go. And then discovered that because I had bought the DLC and the DLC license check couldn't pass, I was locked out of playing at all. It's given me pause on buying any other DLC on a Nintendo platform.
Now, i got my kid another switch and he decided he wanted his own account tied to the family nintendo plan and now i am learning what a pain the virtual cards are. If he had just let me put my account on his switch he could have all the games i have, but that's not what we went with ;-)
I know 3+ Switches sound like a lot, but Nintendo was pushing the Switch Lite like the latest Gameboy. Maybe you concede and decide to buy the same game multiple times to avoid all of this. Well, there's no gifting. You need to enter your billing details into your kid's Switch and buy it there. Assuming you don't want to leave your credit card setup in their Switch, you get to go through this whole dance every time you buy something.
Virtual cards let you avoid a lot of this nonsense for two weeks. You'll rapidly get annoyed having to keep the original Switch and the new one in close proximity to do the exchange, but it'll work. But, it's nowhere near as nice as Steam Family or the iOS Family Sharing.