Hey man, I saw your posts on the 8.1j thread. If you have the ability to run gateway on 8.1 you can get ninjhax working pretty easy through emunand by using BBM, Cubic Ninja Rom/Cia and 9.2j(must be new 3ds ver.) in cia form.
You can buy drm free games / music / ebooks, and if you keep backups of your data (like documents and family photos etc), then you shouldn't lose the game. but with a disk, your toddler could put it in the toaster and there goes your $60