What if you use 2 sd card. One for online games (sysnand) and other for emunand?
Safe. I am of the opinion that general Homebrew and emuNAND will be safe. Piracy and poking at the CDN (ala recent bans) are how you get banned because you're a dishonest user at that point.
But it all comes with risks.
The issue with the TX solution is its on the sysNAND directly. That's just fucked six ways to Sunday.