Is if possible to install a USB loader without modding your wii>>>could I just add HBC, IOS249 and the loader of my choice. I have a LU66 wii w/ 4.1 firmware
Installing HBC, IOS249 and USB Loader is considered modding. You won't need to install a chip or anything, if that's what you are asking.
Not really doing much Wii stuff these days.