People, stop confusing the OP. At least read the first post completely if you are gonna answer.
You have FW9.5?
Get a Sky3DS. Gateway doesn't work on 9.5 and if we track its marvelous update record, it will take them probably 2 more years to get it to work there.
You cannot downgrade from that firmware.
You lose a lot of interesting functionality by using Sky3DS instead of Gateway (emunand, CIAs, etc.) but there is no way around for you.
The last updates from Gateway support Emunand 9.5 (under a system with FW9.2 or lower), that is not meant for you.
Online gameplay?
Yes you can, but you will probably be banned, unless you use a private header.
The problem is that current tools only allow for you to extract a private header from a retail card you own in systems with FW9.2 or lower.
In the future everything can change, who knows, but what I told you stands for today.
Well, I suppose you will get better data in the guide from
apoptygma SOON™.