@Dj64Mk7 None at all. If in the nightmare scenario you were to break or lose your Switch, then you can de-activate your Nintendo account from that console through their website and when you sign in on your new console, all your purchased games will be there to download. You would lose your save files as those are tied to the console but that's the case whether you're physical or digital.
If it's anything like the 3DS, it's a combination of both. Your account is tied to your system and your games are tied to your account but also when you install them they're encrypted with a key that's unique to your system. A system transfer unencrypts all your saves and games, transfers your account from one system to another via Nintendo's servers, and then re-encrypts all your games with the new system's key.
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Topic: eShop game purchases tied to Nintendo Account or to Switch console itself
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