Since you are on FW 2.0 you can use an untethered exploit called Caffeine
Here is a guide:
https://switch.homebrew.guide/gettingstarted/choosinganexploit.html
The argument about xci loading only being used for piracy is probably mostly true but not in all cases, so for those edge cases we really need one for atmosphere :ph34r:
This is what I could find about the game sharing thing you are mentioning, seems like its still possible, but with some caveats.
Also from what i've read the mod chip chip does require soldering, and is not for beginners. Maybe you could find a temper in your area who is willing to do it.
You could go for an unpatched model from ebay and softmod that, or you could attempt to hardmod a new model. mod chips are still for sale on aliexpress if you search "hwfly"
It's not the movies or games downloads that I would worry about, like breaking into networks, downloading encrypted things, spying on network traffic. I have seen so many "Top Secret" seals on files when I was a kid
I was obsessed with finding UFOs, a surprising amount of US files where stashed on computers in other countries, China back in the early 90s omg sooo much