I have a few games tied to my account, but I've f pkg'd all of them. the only loss I've suffered is dlc which is deleted if you insert a retail game to dump or the other way around with a digital game. I have like 76 digital games on my wii u, since I'm too lazy to swap discs.

I plan to go all digital with the switch as long as my refurbished system works. I mean it's not like I play too little or too much.
I'm not entirely sure how the entire licensing process works with the ps4. I believe it uses rif and an act.dat, just like the ps3 does. in fact, orbis has a debug rif to it. there may be some sort of xregistry as well, in case you wanted to spoof accounts. however, I don't know which file that is. I'd suggest f pkging all games you have. if you've signed in to psn, you should be able to export saves, then import them to a new account with save wizard. 0'ing out the keystone will allow those saves to work. I've done this several times, no errors.