Personally I use XCI because there's too much happening with NSP files that could warrant a ban. Fake tickets and potentially stuff in the log are an almost guaranteed ban when you ever go online with the Switch again. This would mean using checkpoint to backup your save games, restoring a clean NAND, and only then going online. This is a lot of trouble for simply going online. With SX OS I could use XCI just fine without getting banned, as long as I did not go online while using CFW. I didn't have to restore a clean NAND before switching to OFW and going online.
But now, with SD EmuNAND hitting the scene, I have to admit there's no real point in using XCI anymore. I am currently using SD emuNAND and installing NSP's on it, while keeping my real NAND clean. The ban danger is the only reason I wouldn't recommend NSP's.