This is literally my exact same concern. I been playing on my PS4 for years and I’m also in the same boat I would say that I’m a veteran in terms of that I put in a good amount of time but I also can’t mod for sh*t either and I don’t really care for MR. But recently I’ve been playing on my switch just because I’ve been at school and I’ve spent money on both but certainly more on PS4 but I really don’t wanna lose my hard earned stuff on either so I think that account merges would be best. Where u keep things like relics, and farmed parts, but probably keep the plat on the higher account maybe? But I imagine that Rivens probably won’t cross over.