Hi there. If you disable Cross Save, your characters will return to their original platform (in your case, PlayStation) and your other platforms will not be able to access that data. Cross Save does not transfer anything to your other accounts; it just allows you to access your characters while it's enabled. If you intend to switch to a different PlayStation account, then unfortunately you will have to start completely over. Bungie does not provide a way to permanently transfer your data to another account. https://help.bungie.net/hc/en-us/articles/360048717732-Deleted-Item-and-Character-Policy