You’re smart about it at least. When I was selling phones, the amount of people DAILY coming in with fried SD cards and pissed that their “lives were lost” was insane. Thats why I’m very much for hardware memory. Tech support had it way worse. Most people that argue for removable storage think its a conspiracy to get more money out of them, it wasn’t. As a whole, SD cards were a huge problem. Especially with the majority syncing to cloud providers, really unneeded for most.
I’m very much an anti-cloud self hoster so I get it, but still couldn’t bring myself to trust them anymore. Plus, most dont have the knowledge to copy them onto new ones every once in a while.