I think I know a way around that actually!
My bf and I download all games onto his acc and we play together all the time on separate consoles. If you have 2 different profiles on each switch, as long as you arent on the EXACT same profile with both you should be able to visit the other town
Of course I cant confirm this since it's not out to try but I've had no issues with any other game like dragon quest builders and splatoon c:
Edit;
However having 2 different games does make it easier so one person doesnt have to be connected to the internet to play at all since switches are labeled as main or secondary
I'm curious how this is going to work. I may hold off on opening my physical copy if digital works on both at the same time.