A few days ago, my niece bought a refurbished black New N3DS from GameStop (she didn't wanna go through eBay), and she had to update to 11.9 to do the system transfer. Turns out, the system's previous owner put CFW on it, it has Luma 9.0. So, of course, got the "Failed to Apply Firm 1" error. From all my time reading the forums, I gotta update Luma to 9.1, yeah? There's no SD card in it, so I think Luma's installed to the system, so it can boot up without an SD card. I legit wasn't expecting the system to have CFW, so that's honestly a pleasant surprise.