You can use 2 cards, but per Nintendo they do not recommend it as it can cause issues with your titledb. I think you can start to see white icons and corruption. If you use one for Switch games and one for emulation its possible that might limit the chances, but it's better to just use 1. I know amazon had a 400gb for around $80. So the prices are coming down. You can probably get a 256 for a good price and just put everything on that. I have a 256, with switch backups and a 60gb RetroArch setup and still have over 100gb free. I tend to only put the Switch games I'm playing on the card.