I know this may seem dumb but, I just wanted to know. So basically is 1.0.0 even worth it anymore or is using 1.3.0 digital about the same or faster. I've noticed a lot of times using digital 1.3.0 vs Physical 1.0.0 but I've wondered which one is faster. Also how big of a difference is there between 1.3.0 Digital and 1.3.0 Physical.

By 10 seconds

Well what about 1.3.0 Physical vs 1.0.0 Physical, would it be faster to have 1.0.0 or 1.3.0 for a Physical cart

https://docs.google.com/spreadsheets/d/1xsEMm_OzwotQA9xnH97KAxMaj3C7Z5-BavyKjdW75M4/edit#gid=0

1.0 is technically faster for physical but in practicality youre never going to get all of the 1.0 time save on any given run so you are best off running 1.3 no matter what copy you have

Besides from this would having 1.3 digital and 1.0 physical be possible and to get 1.0 Physical would I need to factory reset my switch completely or could I do the factory reset without removing user accounts and save data

you cannot have 1.3 and 1.0 at the same time and you must remove save data with the factory reset