well I can answer that last part... Apple is no longer signing blobs for 6.0.1. what this means is that you cannot use TU to save the SHSH Blobs for 6.0.1.
I just updated to 6.0.2 in hopes that I could save THOSE blobs, but for some reason TU still thinks my phone is on 6.0.1 and therefore will NOT save the blobs for me. I am waiting to see if anyone is able to save 6.0.2 blobs...
as to the first part of your post.... well the issue is if you DON'T have any blobs saved, and you jailbreak and run into an issue where you have to do a full restore the only restore you would be able to do would be to go up to 6.1... However if you HAVE blobs from an earlier version, then you could restore to that earlier version.
I updated to 6.0.2 in hopes that I could save those blobs in case I fubared my iPhone 5 and had to do a full restore. since I cannot seem to save them yet, if I mes up this weekend I might end up accidentally having to update to 6.1 in which case there is a chance the JB wont support it...
Did that help? Or did I just confuse you more....