I saw the page you link to, and I cannot read about a problem with a 128 GB microsd (or usb stick), as long as it's formatted in the proper way?

Any filesystem different from fat32 or exfat doesn't work on cameras anyway (I think), so I don't expect to use that 128 GB microsd on my camera; for that I'll use a fat32 32 GB one.

Also, on a personal note regarding the whole sdxc issue, for me Jolla is free to do whatever they think is better for them, as long as I will be able to use a 128 GB microsd with any filesystem. Actually I also expect to be able to access the data on that microsd on my windows PC without having to format it (I'm ok with installing a driver or so).
Not so keen on paying extra (exfat in jolla store) for being able to do that though, depending on how much that would be; so the only way I see so far to do that is to use UDF as file system. And that's why I'm looking for any downsides.

Why I wouldn't like to have to pay for it: if Jolla ends up selling exfat through the Jolla store with that as only solution to access the card on Windows, for like 90%+ of consumers (likely Windows users) it will be like if the first perk of their indiegogo campaign is about being able to pay extra for a feature. Which is not mentioned in the first perk. For the 3G/4G perk it's clearly mentioned that there would be an additional cost for the feature instead.
I understand that Jolla devices are popular between Linux users, but to ignore proper support for Windows consumers or telling them to pay extra is being "unfriendly" to the biggest part of the consumer base?

Btw, I'm all but a Microsoft or Windows supporter, it just happens that I use Windows at the moment. Also, I find the exfat <-> SD consortium agreement an absolute wrong thing, which should be sanctioned/cancelled by those useless antitrust bodies.

damn, this got longer than I wanted