1. Then you can setup cross save and choose XBOX as your main account for those Guardians to be accessible on all your platforms.
2. Any PC player (whether you use Cross Save or not) needs to link to Steam. Once 10/1 hits, Destiny 2 on Battle.net is gone. If you plan on continuing to play on PC after 10/1, you need to link a steam account through bungie.net/pcmove. Once you complete this, you can still Cross Save your Xbox Guardians over and play on Battle.net in the meantime until 10/1, then they will move to Steam.
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so just to make sure, I go ahead merge battle.net to steam, and then once cross save goes up, i just use xbox. Thank you, exactly the info i needed.