More likely? Maybe? But likely? Sure it's likely to get scratched by all that too. That's why I prefer carts over discs. Discs need to just go away, for many many reasons, not just their fragility. For tech reasons too.
Back in the day never for carts.
These days I do leave the cart in the Switch. Because they are nothing like old school carts and are ok being there for a long time.
Discs? Never. I don't even like them in there while I am playing the game. Such fragile things, so prone to scratching.