Let me put it clear
1. I do NOT USE EMUNAND, I only created one so I can update my sysnand to 7.0 xDD that way i can still play backups.
2. I created the EMUNAND when I was on 6.2 because I knew SXOS works on 6.2. I didn't format my SD card, but made a backup of files before creating the Hidden Emunand because that process will delete EVERYTHING on your SD Card.
3. I always used Stealth Mode because I wasn't using EmuNAND at first so it only makes sense to use it while on CFW on SysNand.
If you want to be safe, make sure you don't install ANY NSP on your console, make use of THIS to update your games:
https://github.com/julesontheroad/NSC_BUILDER/releases, have your Stealth Mode ON at all times, DO NOT UPDATE GAMES on OFW or CFW EVER, Always always make sure you are on OFW before going ONLINE, DO NOT MODIFY online game savegames.