To each their own I suppose, but with OOT3D you have to have a way to inject the save into the game, either by already having homebrew (which means you dont need it to start with) or by buying extra hardware (aka powersaves) which brings the cost up anyway. Not to mention I've never had an issue with anything you mentioned in your post about the problems.
Plus if you use a private header with your sky3ds/sky3ds+ the chances of being banned is pretty much less than 1%, meaning people who were banned most likely were not using one, as I have yet to read of anyone who was using a private header straight from the start getting banned.
But like I said in my post, going the CFW rout and being able to install cia's and just launch them is the most fail safe method we have these days, I personally just like having multiple options, and I was forced to get a sky3ds/sky3ds+ at the time I bought my 3ds because it started on 9.9 and at that time the downgrade and all the other things were not options.
I considered getting a gateway just to have one, but with being able to do anything a gateway can already do once you get your system running 9.2, I did not see the point in spending another 80$ on something I personally did not need.