Hey there, no, none of that is possible. There is no bypass or workaround to disabling cross-save. Additionally, as of March 2025, it is no longer possible to unlink accounts at all. So even if cross-save was disabled, there is still no way to unlink and switch accounts.
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I just bought the 150€ light and darkness collection just to play from my pc. What I suppose to do now? There has to be a way to transfer my characters to the pc
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If you can't recover the old Steam account then your PC options are Xbox App for PC or Epic. Bungie won't remove the linked Steam, and as mentioned by EckyThump even if you could recover the account due to the March 25th change you can't remove it either.
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Do the dlcs i just bought in steam transfer to epic or Microsoft?
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No, you would contact Steam for a refund. For your current situation, you would want to get a refund regardless as you cant swap the linked Steam accounts and Steam doesn't allow DLC sharing for free titles.