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PlayStation keeps reminding us why digital ownership sucks
(www.theverge.com)
This is a most excellent place for technology news and articles.
Not all carts ship with version 1.0, but all versions that shipped with 1.0 will stay at 1.0.
For example:
Breath of the Wild is on version 1.3.1, if you have a cart from launch it will still be on the older version and the console will prompt you for an update. But without online functionality those updates will be impossible to get.
Technically, there one other option, the switch allows for updating via local updates. Youd just need another user who has the update installed nearby.
Which will be a number of people that will only go down with time