I understand your concern, however on nintendo systems to date people have always found a way sooner or later. Their piracy protection just isn't as up to date as sonys or microsoft, which for the most part need soldering to get the same effect. Nintendo gc, wii, wii u, 3ds have all been homebrewed, and on the plus side an entry point into the Switch has already been found this early on into its life, which cant be said for all its predecessors. I would say the odds of another hack on higher firmware would have a 95%+ probability and that would be from a pessimistic point of view, Im more inclined to lean towards 99%+. Firmware updates at this early on in a consoles life also generally improves stability and compatibility aswell as adding useful new features. So by keeping a lower firmware its very likely your gimping your console. If your really paranoid nothing will come out in the future then I can understand your point of view, but given the current progress and Nintendos past personally I'm not worried.