Here was my mental thinking on this subject when personally deciding whether to update or remain on lower firmware for homebrew.
When we think of homebrew, they can generally fall within 3 categories: console-specific homebrew, universal homebrew and piracy.
Console-specific homebrew is homebrew apps that are only applicable to the console. This includes save game backups, romhacks, custom themes. Anything you can only do on the switch and not on something like the nvidia shield.
universal homebrew is the homebrew that would run on the switch, but could also be used on other platforms like nvidia shield. Things like emulators fall into this category.
Then we have any piracy related homebrew, incuding CFW or loadiine-like game backup.
Since I already have a good phone and a shield portable, the universal homebrew isn't worth staying on lower firmware.
Piracy is currently looking to be very poor for lower firmware. This is looking more like a vita situation where games past a certain firmware will be unplayable, even with a hacked system. The vita had at least a few years of released games to be pirated. With the switch, right now piracy is looking to be locked to the first 7-8 months of games, which most people have already purchased anyway. Because I already own most of the games within that period, piracy probably won't be appealing to me either.
That leaves console-specific homebrew. Frankly, missing out on any games past the first 7 months just for save hacking, romhacks and the like doesn't make it worth sitting on 3.0.0 for me.
After considering these items, I decided to update my switch and just enjoy it for what it is. If I need my homebrew fix I can just go back to my 3ds.
Also after reflecting on my use of homebrew on the 3ds, I realized I didn't use it very much except for NTR streaming.
We'll probably eventually see homebrew on later firmware, even if its far into the future. There's just too many good games on the horizon that make sitting on low firmware not worth it to me.
OP, take these into consideration. Of course nothing about the potential homebrew scene is guaranteed, so take everything anyone says with a grain of salt. Others can help you, but the decision is ultimately your whether to stick with 3.0.0 for future homebrew or to update.
I can't wait to see what comes of the switch scene, but I'm afraid of the fact that the user pool will be too small for a ton of devs to give good support to it. 3DS scene was pretty lackluster for a while until a million games got exploited and then scene grew large enough for people to care.