I will take this one at a time, because you apparently didn't read my last post.
You get ease of use with Atmosphere. The only difference is how one might choose to load backups. With XCI files, you have to put them onto a device and load them. With NSP files, you have to install them, and the amount of time it takes to install an NSP file is comparable to the amount of time it takes to put an XCI file onto a USB or SD device. In addition, it doesn't get much easier than HBG/JITS.
As I said before, FAT32 is not required with Atmosphere. Because of the buggy Switch exFAT drivers, however, FAT32 is recommended. This is true with SX OS and stock OFW too.
Goldleaf is not recommended because it's buggy. I recommend blawar's Tinfoil (or better yet, HBG/JITS).
SX OS regularly steals code from Atmosphere. This isn't incidental. However, even if we were to throw away the ethical concerns, it makes any argument against Atmosphere from an SX OS fan pretty silly, since SX OS is largely Atmosphere code.
This is the only way to prevent a ban when using a dirty NAND online. Stealth Mode on SX OS has the same problem. If you want to play online, use a clean sysNAND and a dirty emuNAND, which Atmosphere can do. When it comes to ban-prevention, Atmosphere can do anything SX OS can do.
Installing a game with an NSP-installer like Tinfoil takes about as much time as pasting an XCI file to a USB or SD device. And, as I also said above, it doesn't get much easier than using HBG/JITS.
- FAT32 is not required with Atmosphere.
- It's just recommended, regardless of which CFW one uses.
- A game bigger than 4GB can still be installed to an SD card that's formatted as FAT32 if installed from an NSP file. All one has to do is install the file over USB, FTP, or split the NSP file and put it onto the SD card.
The OP requires a jig, regardless of which CFW he chooses. There is no reason to pay for SX OS when Atmosphere is free, but it's his choice if XCI-loading is worth the price to him (it's probably not).
To get back on topic, OP can hack the switch by using a paperclip jig, and that can be used to install AutoRCM. If OP doesn't have the correctly sized paperclip or want to use one, a cheap jig can be ordered online. It's probably not worth overpaying for SX OS.