Is there really no way to homebrew a Mariko Switch without soldering?

No, there isn't.

I’m extremely afraid to fuck up anything with my Switch BUT I want the free games.

So find someone who will do it as a service, or buy a V1 and sell your mariko.

How come there is no way to exploit the software like it happened with V1?

Because it was a bug, and they fixed it.

Isn’t the modding community invested in claiming another console?

Of course, but 90% of the community is going to say that modchip is "good enough" and move on.

Or is the thing that really tough to homebrew without the hardware modding?

Yes.