exactly, just choose the right game ! here is a non exhaustive list :
Firmware 4.5.0
Animal Crossing - New Leaf (Europe)
Donkey Kong Country Returns 3D (Europe + USA)
Fire Emblem - Awakening (Europe)
LEGO City Undercover - The Chase Begins (Europe + USA)
LEGO Legends of Chima - Laval's Journey (Europe)
Luigi's Mansion 2 (Europe)
Pokemon Mystery Dungeon - Gates to Infinity (Europe + USA)
Shin Megami Tensei IV (USA)
Firmware 4.4.0
Castlevania - Lords of Shadow - Mirror of Fate (Europe + USA)
Etrian Odyssey IV - Legends of the Titan (USA)
Fast & Furious - Showdown (Europe)
Fire Emblem - Awakening (USA)
Mario Tennis Open (USA) (Note: ZhangYang reported this as being 4.3.0U)
Monster Hunter 3 Ultimate (Europe + USA)
Monster High Skultimate Roller Maze (Europe)
My Riding Stables 3D - Jumping for the Team (Europe)
Naruto Powerful Shippunden (USA)
Paper Mario - Sticker Star (Europe)
Project X Zone (Europe + USA)
Sonic & All-Stars Racing Transformed (Europe)
The Croods - Prehistoric Party! (Europe)
Zero Escape - Virtue's Last Reward (Europe)
Firmware 4.3.0
Angry Birds Trilogy (Europe)
Ben 10 - Omniverse (Europe)
Naruto Powerful Shippuden (Europe)
Paper Mario - Sticker Star (USA)
Pro Evolution Soccer 2013 3D (France + Germany) [AWTD]
Professor Layton and the Miracle Mask (USA [AKKE] + France [AKKF] + Germany [AKKD] + Spain [AKKS] + Italy [AKKI])
Rise of the Guardians (Europe)
Survivor 3D - The Ultimate Adventure (Europe)
Firmware 4.2.0
Biohazard - Revelations (Taiwan) [ABRW]
Legend of Zelda, The - Ocarina of Time 3D (Taiwan) [AQEW]
Firmware 4.1.0
Bowling Bonanza 3D (Europe)
Code of Princess (USA)
Disney Epic Mickey - Power of Illusion (Europe + USA)
Disney Princess - My Fairytale Adventure (Europe)
Freakyforms Deluxe (Europe)
Harvest Moon 3D - A New Beginning (USA)
Hotel Transylvania (Europe)
Imagine - Fashion World 3D (Europe)
Jewel Link - Legends of Atlantis 3D (Europe)
LEGO The Lord of the Rings (Europe + USA)
New Art Academy (Europe)
New Super Mario Bros. 2 (Europe + USA)
Pippi Longstocking 3D (Europe)
Project X Zone (Japan)
Rabbids Rumble (Europe + USA)
Sengoku Musou Chronicle 2nd (Japan)
Shin Megami Tensei - Devil Survivor Overclocked (Europe)
Sherlock Holmes - The Mystery of the Frozen City (Europe)
Spy Hunter (Europe)
Transformers Prime - The Game (Europe)
Zero Escape - Virtue's Last Reward (USA)
source : http://www.eurasia.nu/wiki/index.php/3DS_Games_with_firmware_updates_in_the_4.1_-_4.5_range
Nice list. I went with SMT4, personally. Though a used DKCR is probably an inexpensive choice. Castlevania's probably easy to find a used copy of as well, with it being so short. Of course, if you can borrow a Sky3DS, you can update via a ROM. I'm not sure if there's any bugs in 4.3 and 4.4 that would make them something to avoid or not. Though I have read that people on 4.1 had some trouble running the exploit, so, I would go with at least 4.3.
In regards to the OP:
My 3DS arrived and now just waiting on the gateway. It came on 2.1.0-4E, i'm guessing I might still need to update it to 4.5 even if the new version comes out?
Since apparently some beta testers have said that there's no EmuNAND with the new exploit yet, even if it does work with 2.x firmware, for now, you would be better off going with the 4.x exploit. Besides, why wait if you don't have to? Anyone who remembers multi-ROM knows this might still be a few weeks away.