For what it’s worth. I’ve used 16gb -new out of the box sd cards. I don’t format the card in my win 10 laptop. Copy files to the local drive - then put the files on the root of the Sd card from my hard drive. Easy peasy and have never had any issue. I’ve upgraded from Yale ->Torrey’s-A->Torrey’s-B->Torrey’s final->Huron->Redcloud -> Snowmass. All of these have been done with a combo of brand new cards ranging from 2-16gb cards. But always new out of box in each case. I have never had an issue.
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