Since you saw that message and were able to finally get it working, yes you're good.Ok I think I got it working now. it says in payload type: SIGHAX so I should be good now yeah? I also enabled updating SD cardless, is that a good idea?
In regards to SD cardless/ctrnand Luma, that depends on what you prefer (ie. Having Luma CFW on your SD card [boot.firm; the normal/default option] or having it installed directly to your 3DS system [ctrnand; the option you just picked]). One of the pros of having Luma CFW installed to ctrnand is that if you ever lose your SD card, have it stolen, it breaks, or it corrupts itself you'll still be able to use/turn on your 3DS without having your SD Card (you also won't need to worry about having a boot.firm on your SD card).
Personally, I've left mine on the default setting since I really don't mind having to keep my microSD card inserted on my n3DSXL at all times.