You can only update to 3.0 with a game cart, but it would be better not to update.
I've seen some people on here restore their nand dumps, unless you update your switch you should be able to restore and use it.
FAT32 only lets you use files that are 4GB or less, if you need to store bigger...
Piracy has always existed, and it hasn't stopped publishers to release their games.
Idk about other countries, but for pc gaming we've got http://shadow.tech in france, that is basically a netflix like platform for games.
Only thing drive me crazy is all these new horror games nowadays is its so dark, all time. I can't even play them. I understand they trying to create spooky but be creative a little, not just darkness with pop out scare scenes.