If you purchased a game that has online playing mode, then it is very likely you need to have the subscription of this Nintendo Switch Online service.
If you subscribe to this service it would be around USD $20 a year.
To make the service worth it, Nintendo had throw in 20 classic NES titles for subscribers which they can play locally and online. There is a requirement however and that is you need to login every 7 days to keep playing on your console. That is fair to me as you subscribed Nintendo Switch Online service, it would be normal for you to access it when you are connected to internet.
Another value-added service would be Cloud Saved online that come with the subscription. That mean you can now put your saved game online. However not all game support this cloud saving and
Nintendo will delete all your cloud saves once your subscription ends.
One thing that still bug me as a gamer is that Nintendo only provide a way to backup your data on cloud and not on any physical media. You can however transfer your saved game between Nintendo switch physically. However if the hardware failed, you are likely to lost your save data.
The question remain, is it still worth getting Nintendo Switch Online service?
This would very much depend on the players. Do you play online often? If you do like more than 10 times a week, then it could be something you want to look into.
If you are not into online or multiplayer mode, then this may not appeal to you.
End of the day, even if you stop playing Nintendo Switch, your saved game should not matter much by then right?
PS: Do note that Nintendo Switch Online Subscription will not be required for Free-To-Play games such as Fortnite. For Minecraft users, you need Nintendo Switch online to play online.
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