I live in Asia (outside HK/Japan, meaning DL is not available on my local app store) and linked a US nintendo account (that's my main Nintendo account).
I can still spend money if I want (DL on Android uses google pay to process payments), and the prices are even converted into my local currency (!). As far as I can tell other than potentially not playing on your "main" nintendo account (assuming yours is EU), there is no real downside that I can see.
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