No, you can downgrade from 11.0 via a9lh/luma because luma patches out the downgrade checks (as of version 5.5, if you try to downgrade 11.0 on luma 5.4 or lower it won't work and you will have to restore a nand backup). The way I understand it, the bootloader loads firm0 (or firm1 if firm0 is corrupt and then firm0/firm1 loads native_firm which then loads everything else. If you don't have firmware.bin in the luma folder, then it will load native_firm from ctrnand just like on a stock system and then patch it as it is loaded into memory. If you do have firmware.bin in the luma folder then it will load native_firm from the firmware.bin file. In other words, when you have firmware.bin in sd:/luma you are essentially running a frankenfirmware. That is, you are running 11.0 but with the 10.2 kernel. And what NTR requires is the 10.2 kernel.