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It depends what you want to do with it. Older versions are easier to use homebrew with, for the most part anyway.
I'd probably have HBC installed, saves you doing it and just for the sake of a cost of a SD card.
HBC does not cause bricks. You'll find that most, if not all of bricks are caused by doing something which you shouldn't.
HBC will allow you to open a whole world of applications that Nintendo otherwise won't let you use. Examples are Media Players, DVD player, USB Hard Drive loaders (store games on HDD), Backup Launchers, Wiiware and VC, Emulators etc...
I have a hardmodded Wii and I use the softmod more than the hardmod, but the hardmod does give me more flexibility.
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