If I want to own the game I can always buy the cartridge.
For me personally, I buy about 80% of my switch games digitally. I'm not someone who replays games. The ease of access is to me a known and worthy trade-off to not owning the game and essentially only renting it till their servers shut down.
Only the games I know that I want to revisit I'll buy on cartridge. That way I don't fill up my shelves with games I'll never touch again. (I also don't like dealing with selling games through eBay. It's a hassle and I've had some bad experiences)
I have however had a few times where I wish I bought the cartridge not so I can replay it myself, but so that I can share it with a friend who seems interested but is not willing to pay full price for something they're not sure they'll like. So for me this feature is something I'll actually use. And it seems fair that the limits are trying to mimic mostly the same limits you'll have when sharing a cartridge.