Cross-save is allowing you to access the data from your active account, PSN in your case, across all of your linked platforms. The data does not transfer to the other accounts, and it will always be permanently tied to your PSN account. You are simply borrowing the data from your PSN account, despite playing through Steam.
It is correct that your Steam account will show as having no characters, because you do not have character data on your Steam account, and are using your PSN data to play the game. Regardless of what platform you are playing on, the save data is in fact PSN data.
As such, if you were to deactivate cross-save, you would no longer have access to those characters and progress via Steam. They would only be accessible on PS4/PS5, and you would be starting completely fresh on your Steam account.
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Even if I only play on Steam? I mean I don’t play this game anywhere else as the Beyond Light I only have it on steam no other consoles I own anymore. Can I make a fresh companion account?
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A fresh Bungie.net account won’t change your characters from PlayStation characters to steam. If you want to continue playing on your current characters on PC, you have to keep your PlayStation account linked and set up as the main for your cross save.
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Ok. Thanks