You realise, that if you turn off Cross Save and log into Steam, you will be at the point wherever Steam was at, prior to when you first started using the XB1 save data, correct?
Your characters and progress do not transition from one platform to another. You are just choosing which save data to use when logged in to any platform. The save data is in the cloud, not on the platform.
So, as an example, if you started using Cross Save with your XB1 as the "main" 6 months ago, and then stop using Cross Save today, your Steam account will go back to what it was 6 months ago. Your current progress and characters will only be on XB1 at that point.
If you re-activate Cross Save ([i]after the required 90 day waiting period[/i]) with Steam as your "main", then again, Steam will be where is was prior to you starting Cross Save, and your XB1 characters will not be available on XB1 any longer - it will be using your Steam characters and progress.
The only way to have separated characters and data on each platform is to not use Cross Save at all.
When Cross Save is active, it doesn't matter what credentials you log in with since the same characters and progress are reflected on all platforms. If 3rd party systems are having an issue with this process, then you should be contacting their support teams since those products are not controlled by Bungie.
Out of curiosity, what happens when you log out of DIM and then log back in with your Steam credentials? If it is functioning properly, you should see the same data as before since your XB-based save data is what is currently being used everywhere, even though you are on Steam
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Yeah, without getting too far into the weeds, I get that now. I guess I have a waiting time on deactivating my account since I purchased Silver on Steam about 30 days ago when I first enabled cross save and migrated to PC. Once the 60 days are up and I can disable cross save, I'll just go ahead and do that. I'll just have to start from scratch on Steam.