If you already own a Switch 1, you've already got access to all those games, so buying a Switch 2 won't open the door to more than a few new titles. The holiday season is probably when everything's going to come out, so waiting for then is probably going to be the best option.
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Switch cartridges are far more expensive to produce than stuff like Blu-Ray discs, and they only get more expensive the higher capacity they are. According to the Switch 2 Direct, Switch 2 cartridges have a higher data transfer rate, so they might be even more expensive.
"Game-key" cartridges are a thing now, replacing the empty cases with download codes that plagued the Switch 1. While they still require a download, they're also able to be resold and returned.
And they're far more cheaper, since all they have is the license.
I think the game prices make sense. However, I also think they're very overpriced. And yes, these statements can coexist.
The new MicroSD cards aren't a proprietary thing - any device can use them, like USB 3.0. You can plug a USB 3.0 hard drive into a Win95 PC if you want, like how you can put a MicroSD Express card into a Steam Deck if you want.