Decided after a LONG time to load up my 3DS, and check some things, and saw it did not have the latest FW on it. Went and did that after seeing that it was safe to do so. Then going through my apps, I came across Luma Updater and it showed an update (v2.6). Thought ok, and went with it. It errored out, and when I tried to turn my 3DS back on, I got an ARM11 exception error. Guess the updater went and emptied the boot.firm file prior to the error. Had to turn my system on without the sd card (boot.firm on CTRNAND), insert after, go into FBI, and copy that file from NAND to my sd card that I had set up. Now works, and will be deleting that luma update will try updating via universal updater.