You can spend real-world money on a virtual currency called San Van Bucks, which in turn is used to buy cosmetic items.
I hate this but if it’s just cosmetics and the game price is fair I’ll be ok with it. I know the price is going to be a full on AAA release and they will still cram this into it… but I can hope.
https://en-americas-support.nintendo.com/app/answers/detail/a_id/48058/
Pretty sure number 1 covers it, but I’m not a lawyer.
You can move things to and from different drives in the steam settings pretty easily, so in the past I used to archive larger games I was not playing to a large HDD on my system to avoid having to download it all again.
When I wanted to play again I moved it back to my SSD.