A better explanation for you.
You get the following from me:
Hardmod ( permanent or temporary ) arm9loaderhax is pretty much brick proof, so hardmod can be temp.
Hardmod give you direct read / write access to the NAND. Arm9loaderhax, loads before the NAND and thus can launch a plugin like decrypt9 for example and you can read / write to the nand that way. The only time you would need a hardmod is if you were to BSOD, which would typically come from playing with godmode9, which I do not advise any newb to play with.
Arm9loaderhax is setup and runs in conjunction with Luma3ds CFW, via sysnand and updated to the latest 11.xx.xx
Fbi is installed using the health and safety app.
Luma updater is installed.
Homebrew launcher is installed.
NTR launcher is installed via CIA as well.
At this point, you now have your console completely ready, all you need to do is install whichever additional CIA you could want.
Just transfer from your PC to sd card, put sd card back in 3ds, load FBI, navigate to SD/CIA/ your ciafiles.cia press, A i think it is, install and a few minutes /seconds it's installed to your home screen.
The lower price I have, which is $65 is a hardmod with downgrade to 9.2. Nothing more.