The Switch has a backup feature, but the backups are hardware ID locked, so if you lose your Switch and get a replacement, lol, the backups are useless. This is made worse because even though you may have a physical cartridge game, the actual save files are on the machine.
Personally I had a run in with this when I upgraded to a 3DS XL, and I didn't check for dead pixels until after I transferred all my data. They locked the transfer feature for a week+ so I couldn't go and get my device replaced for a week, and my data was held hostage on a machine with stuck/dead pixels dead center on what is already a low resolution display.