Hey Jernia,
I would recommend reviewing Bungie's comprehensive guide on Cross Save. It will answer all your questions and concerns.
[url]https://help.bungie.net/hc/en-us/articles/360049498031-Destiny-2-Cross-Save-Guide[/url]
Cheers,
Jaredd
English
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Thank you for the article, and unfortunately, there is no way to resolve my problem without disabling cross-save.