I did this to change music. It works on PC but not switch. I don't think I converted it to 16-bit wav. Maybe it'll work >: If you find a way please let me know!
You can buy drm free games / music / ebooks, and if you keep backups of your data (like documents and family photos etc), then you shouldn't lose the game. but with a disk, your toddler could put it in the toaster and there goes your $60