Ok im on 10.3
I refused to update for obvious reasons
Also i got alot of hacks for certain reasons. Certain CIA reasons.
Well thats the thing too. I am not one to risk it and downgrade, and i have no knowledge on how to set up emunand, however i did hear something about OOTHax working on 10.4 N3DS
Assuming I understand your intents correctly, memchunkhax2 was fixed in 10.4, so you wouldn't be able to install any legit .cias even if you had access to FBI were you to update.
Downgrading at this point, while there's still a possibility of hard bricking the console, is much safer than it was at the start of the implementation. Many of the bricks you hear about (or haven't heard about) are purely due to user error, a common one being "I picked the N3DS files for my O3DS" or vice-versa. Of course, there's not a 100% chance that it will work and you may get a soft brick, forcing you to update to 10.4.
If you do decide you want to take the plunge at some point, just do a lot of research before you begin, such as what emuNAND is and how to set it up, unlinking your NANDs afterwards, etc. Any knowledge you gain is much more of a safeguard than even something like SafeSysUpdater; just make sure to be sure before you act. I have tons of bookmarked stuff if you're ever interested.
I'd like to add that any .cia installation, be they legit or not using whatever version of FBI (or any .cia installer), there's always a small chance of a hard brick.
And, lastly, should you decide to upgrade to 10.4, just make sure to update the payload for oot3dhax before you update. Knowledge (and a lamborghini) is really important here.
EDIT: I keep saying FBI since there was a version of FBI with memchunkhax2 implemented, but I forgot that NASA by Rinnegatamante exists.