I've been looking through threads and my brain is melting...
So there's Starfall and Preloader, which can turn off the disc update (but apparently some newer games need additional things done before they will work).
There's a guide to update to 4.1 with the HBC still working.
But I don't know if any of these things will work on this game and they all look rather complicated.
I'd like to keep things simple because (if you can't tell) I don't know WTF I'm doing. I JUST WANNA PLAY MY NEW GAME.
Can someone at least tell me what will happen if I update with the game disk, like it's asking me to?