Frankly, the risk isn't with bricking your switch or losing data. The risk is with getting one's Switch banned.
It is fine that you don't wanna take the plunge, it's your prerogative.
However, it is unfair for others to take the fall for you, simply because you wanted hax but didn't want to hack your Switch.
(Switch bans from Nintendo can come from modding the Switch, trading hacked mons, trading normally but using a hacked switch, trading mons from USUM when HOME isn't even out etc)
If someone wants to help you, they'll PM you after reading this.
Else, don't create this topic again.
(I mean, seriously, if you want hacks at your beck and call, hack your device. >< )
[also, I removed your duplicate thread lulz]